Home > Park State Bank & Trust > Performance and Condition Ratios
Park State Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2573% | 878 |
| Cost of funding earning assets | 1.2557% | 3,668 |
| Net interest margin | 5.0017% | 295 |
| Noninterest income to average assets | 0.9000% | 678 |
| Noninterest expense to average assets | 3.9299% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6871% | 762 |
| Return on assets (ROA) | 1.6871% | 762 |
| Pretax return on assets | 1.6871% | 1,130 |
| Return on Equity (ROE) | 16.6900% | 799 |
| Retained earnings to average equity (ytd only) | 3.4220% | 2,989 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.9647% | 1,818 |
| Assets per employee ($millions) | 4.6975% | 3,831 |
| Cash dividends to net income (ytd only)* | 79.4958% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,319 |
| Loan loss allowance to noncurrent loans | 5,647.3684% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 972 |
| Noncurrent loans to loans | 0.0174% | 3,645 |
| Net loans and leases to total assets | 76.6500% | 1,003 |
| Net loans and leases to deposits | 85.6762% | 1,522 |
| Net loans and leases to core deposits | 89.3176% | 2,093 |
| Total domestic deposits to total assets | 89.4600% | 1,006 |
| Equity capital to assets | 10.2635% | 2,065 |
| Core capital (leverage) ratio | 11.7282% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8212% | 684 |
| Memoranda: | ||
| Average total assets | $141,070,500 | 3,434 |
| Average earning assets | $133,156,000 | 3,402 |
| Average equity | $14,260,500 | 3,437 |
| Average total loans | $106,105,500 | 3,163 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2974% | 915 |
| Cost of funding earning assets | 1.5851% | 3,198 |
| Net interest margin | 4.7123% | 486 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 4.4139% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9860% | 2,100 |
| Return on assets (ROA) | 0.9860% | 2,093 |
| Pretax return on assets | 0.9860% | 2,567 |
| Return on Equity (ROE) | 9.9500% | 2,162 |
| Retained earnings to average equity (ytd only) | 5.8978% | 1,867 |
| Net charge-offs to loans | 0.0099% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 135.3000% | 663 |
| Efficiency ratio | 81.7409% | 935 |
| Assets per employee ($millions) | 4.8695% | 3,731 |
| Cash dividends to net income (ytd only)* | 40.7243% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 2,993 |
| Loan loss allowance to noncurrent loans | 11,922.2222% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 948 |
| Noncurrent loans to loans | 0.0087% | 3,699 |
| Net loans and leases to total assets | 72.2600% | 1,641 |
| Net loans and leases to deposits | 80.4793% | 2,093 |
| Net loans and leases to core deposits | 83.9928% | 2,506 |
| Total domestic deposits to total assets | 89.7900% | 887 |
| Equity capital to assets | 9.9543% | 2,162 |
| Core capital (leverage) ratio | 11.6057% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7024% | 692 |
| Memoranda: | ||
| Average total assets | $137,224,600 | 3,471 |
| Average earning assets | $129,894,400 | 3,441 |
| Average equity | $13,598,200 | 3,463 |
| Average total loans | $101,003,600 | 3,205 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2591% | 940 |
| Cost of funding earning assets | 1.6604% | 3,032 |
| Net interest margin | 4.5987% | 563 |
| Noninterest income to average assets | 0.9500% | 652 |
| Noninterest expense to average assets | 4.2996% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0032% | 2,048 |
| Return on assets (ROA) | 1.0032% | 2,050 |
| Pretax return on assets | 1.0032% | 2,539 |
| Return on Equity (ROE) | 10.1400% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.7069% | 2,575 |
| Net charge-offs to loans | 0.0119% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 113.8889% | 735 |
| Efficiency ratio | 81.0816% | 1,011 |
| Assets per employee ($millions) | 4.7520% | 3,800 |
| Cash dividends to net income (ytd only)* | 53.5610% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,063 |
| Loan loss allowance to noncurrent loans | 11,933.3333% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 920 |
| Noncurrent loans to loans | 0.0087% | 3,736 |
| Net loans and leases to total assets | 71.9600% | 1,610 |
| Net loans and leases to deposits | 80.2627% | 2,152 |
| Net loans and leases to core deposits | 83.7291% | 2,592 |
| Total domestic deposits to total assets | 89.6500% | 691 |
| Equity capital to assets | 10.1060% | 2,232 |
| Core capital (leverage) ratio | 11.4905% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7457% | 825 |
| Memoranda: | ||
| Average total assets | $136,227,000 | 3,483 |
| Average earning assets | $128,961,250 | 3,455 |
| Average equity | $13,483,500 | 3,474 |
| Average total loans | $100,474,500 | 3,211 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1802% | 939 |
| Cost of funding earning assets | 1.6221% | 3,032 |
| Net interest margin | 4.5581% | 578 |
| Noninterest income to average assets | 0.9200% | 687 |
| Noninterest expense to average assets | 4.3321% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9097% | 2,280 |
| Return on assets (ROA) | 0.9097% | 2,284 |
| Pretax return on assets | 0.9097% | 2,743 |
| Return on Equity (ROE) | 9.2600% | 2,384 |
| Retained earnings to average equity (ytd only) | 0.9259% | 3,619 |
| Net charge-offs to loans | 0.0181% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 67.7778% | 962 |
| Efficiency ratio | 82.6458% | 947 |
| Assets per employee ($millions) | 4.1845% | 4,062 |
| Cash dividends to net income (ytd only)* | 90.0000% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,028 |
| Loan loss allowance to noncurrent loans | 98.4404% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 830 |
| Noncurrent loans to loans | 1.0665% | 857 |
| Net loans and leases to total assets | 73.2400% | 1,505 |
| Net loans and leases to deposits | 81.2767% | 2,087 |
| Net loans and leases to core deposits | 84.7440% | 2,473 |
| Total domestic deposits to total assets | 90.1100% | 674 |
| Equity capital to assets | 9.6794% | 2,283 |
| Core capital (leverage) ratio | 11.7914% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4011% | 1,019 |
| Memoranda: | ||
| Average total assets | $134,116,333 | 3,513 |
| Average earning assets | $127,245,000 | 3,473 |
| Average equity | $13,175,667 | 3,483 |
| Average total loans | $99,415,000 | 3,222 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1622% | 874 |
| Cost of funding earning assets | 1.4974% | 3,199 |
| Net interest margin | 4.6648% | 488 |
| Noninterest income to average assets | 0.8600% | 718 |
| Noninterest expense to average assets | 4.6287% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6539% | 2,999 |
| Return on assets (ROA) | 0.6539% | 3,026 |
| Pretax return on assets | 0.6539% | 3,269 |
| Return on Equity (ROE) | 6.6100% | 3,054 |
| Retained earnings to average equity (ytd only) | -10.1831% | 4,309 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 87.6218% | 700 |
| Assets per employee ($millions) | 4.3256% | 4,033 |
| Cash dividends to net income (ytd only)* | 254.1667% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,867 |
| Loan loss allowance to noncurrent loans | 98.5441% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 727 |
| Noncurrent loans to loans | 1.1063% | 768 |
| Net loans and leases to total assets | 73.2800% | 1,425 |
| Net loans and leases to deposits | 81.2362% | 1,947 |
| Net loans and leases to core deposits | 83.2007% | 2,495 |
| Total domestic deposits to total assets | 90.2000% | 733 |
| Equity capital to assets | 9.5285% | 2,306 |
| Core capital (leverage) ratio | 11.7749% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9462% | 1,092 |
| Memoranda: | ||
| Average total assets | $132,131,000 | 3,540 |
| Average earning assets | $125,280,000 | 3,508 |
| Average equity | $13,080,500 | 3,502 |
| Average total loans | $98,020,500 | 3,240 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 1,072 |
| Cost of funding earning assets | 0.7833% | 3,780 |
| Net interest margin | 4.7886% | 423 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 4.1236% | 337 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.1909% | 1,668 |
| Return on assets (ROA) | 1.1924% | 1,645 |
| Pretax return on assets | 1.1924% | 2,161 |
| Return on Equity (ROE) | 12.2400% | 1,901 |
| Retained earnings to average equity (ytd only) | 7.9054% | 1,568 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0796% | 1,343 |
| Assets per employee ($millions) | 4.1990% | 4,086 |
| Cash dividends to net income (ytd only)* | 35.4366% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 2,730 |
| Loan loss allowance to noncurrent loans | 48.6523% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.7101% | 200 |
| Noncurrent loans to loans | 2.3020% | 224 |
| Net loans and leases to total assets | 73.4500% | 1,425 |
| Net loans and leases to deposits | 82.1223% | 1,936 |
| Net loans and leases to core deposits | 82.7556% | 2,541 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 10.2820% | 1,853 |
| Core capital (leverage) ratio | 12.5045% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2150% | 1,043 |
| Memoranda: | ||
| Average total assets | $131,582,600 | 3,538 |
| Average earning assets | $124,735,000 | 3,492 |
| Average equity | $12,814,000 | 3,452 |
| Average total loans | $90,826,800 | 3,281 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4953% | 1,019 |
| Cost of funding earning assets | 0.6098% | 3,954 |
| Net interest margin | 4.8856% | 364 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 4.0322% | 352 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.4805% | 1,162 |
| Return on assets (ROA) | 1.4785% | 1,151 |
| Pretax return on assets | 1.4785% | 1,609 |
| Return on Equity (ROE) | 15.3900% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.5435% | 1,537 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.8401% | 1,590 |
| Assets per employee ($millions) | 4.5728% | 3,898 |
| Cash dividends to net income (ytd only)* | 38.0041% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,328 |
| Loan loss allowance to noncurrent loans | 41.1995% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7971% | 176 |
| Noncurrent loans to loans | 2.4422% | 202 |
| Net loans and leases to total assets | 72.8400% | 1,485 |
| Net loans and leases to deposits | 81.1029% | 1,965 |
| Net loans and leases to core deposits | 81.7348% | 2,486 |
| Total domestic deposits to total assets | 89.8200% | 983 |
| Equity capital to assets | 9.9345% | 1,864 |
| Core capital (leverage) ratio | 12.2560% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0194% | 1,097 |
| Memoranda: | ||
| Average total assets | $131,936,000 | 3,542 |
| Average earning assets | $125,072,500 | 3,501 |
| Average equity | $12,671,500 | 3,455 |
| Average total loans | $89,359,000 | 3,296 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 970 |
| Cost of funding earning assets | 0.3082% | 4,301 |
| Net interest margin | 5.0776% | 279 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.8248% | 397 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.8028% | 655 |
| Return on assets (ROA) | 1.8028% | 654 |
| Pretax return on assets | 1.8028% | 1,002 |
| Return on Equity (ROE) | 18.9800% | 831 |
| Retained earnings to average equity (ytd only) | 10.1933% | 1,353 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2162% | 2,208 |
| Assets per employee ($millions) | 4.9240% | 3,654 |
| Cash dividends to net income (ytd only)* | 46.2948% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,246 |
| Loan loss allowance to noncurrent loans | 80.7496% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 535 |
| Noncurrent loans to loans | 1.2876% | 551 |
| Net loans and leases to total assets | 70.4800% | 1,691 |
| Net loans and leases to deposits | 78.6144% | 2,079 |
| Net loans and leases to core deposits | 79.2259% | 2,529 |
| Total domestic deposits to total assets | 89.6500% | 1,034 |
| Equity capital to assets | 10.1598% | 1,769 |
| Core capital (leverage) ratio | 11.9833% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9469% | 1,134 |
| Memoranda: | ||
| Average total assets | $133,235,000 | 3,534 |
| Average earning assets | $126,555,000 | 3,498 |
| Average equity | $12,655,333 | 3,469 |
| Average total loans | $87,739,333 | 3,325 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 947 |
| Cost of funding earning assets | 0.1455% | 4,465 |
| Net interest margin | 5.0580% | 275 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 3.9370% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7373% | 767 |
| Return on assets (ROA) | 1.7373% | 758 |
| Pretax return on assets | 1.7373% | 1,200 |
| Return on Equity (ROE) | 18.9100% | 897 |
| Retained earnings to average equity (ytd only) | 1.0898% | 3,854 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.3825% | 1,815 |
| Assets per employee ($millions) | 5.0798% | 3,590 |
| Cash dividends to net income (ytd only)* | 94.2373% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,708 |
| Loan loss allowance to noncurrent loans | 57.6375% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 345 |
| Noncurrent loans to loans | 1.6532% | 386 |
| Net loans and leases to total assets | 66.8200% | 1,972 |
| Net loans and leases to deposits | 73.8988% | 2,300 |
| Net loans and leases to core deposits | 74.1061% | 2,669 |
| Total domestic deposits to total assets | 90.4200% | 1,006 |
| Equity capital to assets | 9.4318% | 2,199 |
| Core capital (leverage) ratio | 11.0732% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0858% | 1,354 |
| Memoranda: | ||
| Average total assets | $135,840,500 | 3,559 |
| Average earning assets | $129,221,000 | 3,517 |
| Average equity | $12,479,500 | 3,526 |
| Average total loans | $86,019,000 | 3,385 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 1,677 |
| Cost of funding earning assets | 0.1505% | 4,118 |
| Net interest margin | 3.8637% | 1,042 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 3.4548% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1086% | 2,136 |
| Return on assets (ROA) | 1.1086% | 2,072 |
| Pretax return on assets | 1.1086% | 2,744 |
| Return on Equity (ROE) | 12.9300% | 1,837 |
| Retained earnings to average equity (ytd only) | 12.9273% | 522 |
| Net charge-offs to loans | 0.0014% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,589.0000% | 108 |
| Efficiency ratio | 75.7071% | 1,044 |
| Assets per employee ($millions) | 5.1706% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,239 |
| Loan loss allowance to noncurrent loans | 49.3605% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 305 |
| Noncurrent loans to loans | 2.0738% | 262 |
| Net loans and leases to total assets | 58.8000% | 2,749 |
| Net loans and leases to deposits | 64.7204% | 2,978 |
| Net loans and leases to core deposits | 64.8912% | 3,207 |
| Total domestic deposits to total assets | 90.8500% | 1,010 |
| Equity capital to assets | 8.9552% | 2,388 |
| Core capital (leverage) ratio | 10.6306% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0039% | 1,370 |
| Memoranda: | ||
| Average total assets | $143,337,600 | 3,506 |
| Average earning assets | $136,215,400 | 3,459 |
| Average equity | $12,291,800 | 3,645 |
| Average total loans | $73,497,800 | 3,513 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 1,888 |
| Cost of funding earning assets | 0.1537% | 3,813 |
| Net interest margin | 3.5967% | 1,395 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 3.3982% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9362% | 2,734 |
| Return on assets (ROA) | 0.9362% | 2,698 |
| Pretax return on assets | 0.9362% | 3,218 |
| Return on Equity (ROE) | 11.0400% | 2,366 |
| Retained earnings to average equity (ytd only) | 11.0353% | 1,046 |
| Net charge-offs to loans | 0.0019% | 2,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,013.0000% | 151 |
| Efficiency ratio | 78.4009% | 881 |
| Assets per employee ($millions) | 4.8362% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,029 |
| Loan loss allowance to noncurrent loans | 58.1220% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 422 |
| Noncurrent loans to loans | 1.8867% | 325 |
| Net loans and leases to total assets | 54.5300% | 3,045 |
| Net loans and leases to deposits | 59.6152% | 3,230 |
| Net loans and leases to core deposits | 59.7704% | 3,400 |
| Total domestic deposits to total assets | 91.4700% | 1,058 |
| Equity capital to assets | 8.3594% | 2,634 |
| Core capital (leverage) ratio | 9.9020% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4269% | 1,591 |
| Memoranda: | ||
| Average total assets | $144,270,500 | 3,524 |
| Average earning assets | $137,046,250 | 3,476 |
| Average equity | $12,239,250 | 3,690 |
| Average total loans | $71,137,500 | 3,570 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 2,432 |
| Cost of funding earning assets | 0.1546% | 3,517 |
| Net interest margin | 3.2456% | 2,066 |
| Noninterest income to average assets | 0.8969% | 854 |
| Noninterest expense to average assets | 3.3129% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6689% | 3,419 |
| Return on assets (ROA) | 0.6689% | 3,365 |
| Pretax return on assets | 0.6689% | 3,656 |
| Return on Equity (ROE) | 7.8479% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.8479% | 1,675 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2011% | 726 |
| Assets per employee ($millions) | 5.1490% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,634 |
| Loan loss allowance to noncurrent loans | 77.9817% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 695 |
| Noncurrent loans to loans | 1.5529% | 475 |
| Net loans and leases to total assets | 48.0957% | 3,544 |
| Net loans and leases to deposits | 52.3257% | 3,660 |
| Net loans and leases to core deposits | 52.4575% | 3,791 |
| Total domestic deposits to total assets | 91.9160% | 872 |
| Equity capital to assets | 7.9481% | 3,161 |
| Core capital (leverage) ratio | 9.3785% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9256% | 1,454 |
| Memoranda: | ||
| Average total assets | $145,611,000 | 3,543 |
| Average earning assets | $138,401,667 | 3,507 |
| Average equity | $12,411,000 | 3,745 |
| Average total loans | $69,073,667 | 3,635 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 2,330 |
| Cost of funding earning assets | 0.1523% | 3,478 |
| Net interest margin | 3.1647% | 1,983 |
| Noninterest income to average assets | 0.8474% | 939 |
| Noninterest expense to average assets | 3.4251% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4319% | 3,891 |
| Return on assets (ROA) | 0.4319% | 3,853 |
| Pretax return on assets | 0.4319% | 3,979 |
| Return on Equity (ROE) | 4.9042% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.9042% | 2,622 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8023% | 607 |
| Assets per employee ($millions) | 5.0691% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,755 |
| Loan loss allowance to noncurrent loans | 78.1969% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 757 |
| Noncurrent loans to loans | 1.5611% | 514 |
| Net loans and leases to total assets | 46.7878% | 3,508 |
| Net loans and leases to deposits | 51.1775% | 3,635 |
| Net loans and leases to core deposits | 51.3042% | 3,783 |
| Total domestic deposits to total assets | 91.4227% | 847 |
| Equity capital to assets | 8.4651% | 3,193 |
| Core capital (leverage) ratio | 9.2276% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0135% | 1,509 |
| Memoranda: | ||
| Average total assets | $146,330,000 | 3,551 |
| Average earning assets | $139,160,500 | 3,509 |
| Average equity | $12,887,000 | 3,766 |
| Average total loans | $68,515,000 | 3,645 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 1,326 |
| Cost of funding earning assets | 0.1599% | 3,869 |
| Net interest margin | 3.8541% | 915 |
| Noninterest income to average assets | 1.0671% | 898 |
| Noninterest expense to average assets | 3.4286% | 524 |
| Loan and lease loss provision to assets | 0.1206% | 1,029 |
| Net operating income to assets | 1.1567% | 2,076 |
| Return on assets (ROA) | 1.1567% | 2,133 |
| Pretax return on assets | 1.1567% | 2,798 |
| Return on Equity (ROE) | 12.0880% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.1004% | 892 |
| Net charge-offs to loans | 0.1185% | 761 |
| Credit loss provision to net charge-offs | 196.3855% | 1,316 |
| Earnings coverage of net charge-offs (x) | 20.7952% | 1,842 |
| Efficiency ratio | 72.8574% | 1,421 |
| Assets per employee ($millions) | 5.0226% | 3,709 |
| Cash dividends to net income (ytd only)* | 16.4427% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,557 |
| Loan loss allowance to noncurrent loans | 78.1969% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 824 |
| Noncurrent loans to loans | 1.6128% | 537 |
| Net loans and leases to total assets | 45.6898% | 3,717 |
| Net loans and leases to deposits | 50.3800% | 3,856 |
| Net loans and leases to core deposits | 50.5070% | 3,991 |
| Total domestic deposits to total assets | 90.6904% | 625 |
| Equity capital to assets | 9.1517% | 3,458 |
| Core capital (leverage) ratio | 9.2001% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3249% | 1,429 |
| Memoranda: | ||
| Average total assets | $135,127,400 | 3,630 |
| Average earning assets | $127,580,000 | 3,602 |
| Average equity | $12,930,200 | 3,838 |
| Average total loans | $70,013,800 | 3,647 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 934 |
| Cost of funding earning assets | 0.1625% | 3,996 |
| Net interest margin | 4.1503% | 598 |
| Noninterest income to average assets | 1.0717% | 960 |
| Noninterest expense to average assets | 3.5221% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4561% | 1,377 |
| Return on assets (ROA) | 1.4561% | 1,436 |
| Pretax return on assets | 1.4561% | 2,130 |
| Return on Equity (ROE) | 15.0370% | 1,133 |
| Retained earnings to average equity (ytd only) | 12.3663% | 756 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7499% | 1,520 |
| Assets per employee ($millions) | 5.1166% | 3,581 |
| Cash dividends to net income (ytd only)* | 17.7609% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,148 |
| Loan loss allowance to noncurrent loans | 70.6152% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 954 |
| Noncurrent loans to loans | 1.6477% | 616 |
| Net loans and leases to total assets | 45.5952% | 3,822 |
| Net loans and leases to deposits | 50.3593% | 3,995 |
| Net loans and leases to core deposits | 50.4885% | 4,111 |
| Total domestic deposits to total assets | 90.5399% | 539 |
| Equity capital to assets | 9.3079% | 3,552 |
| Core capital (leverage) ratio | 9.3566% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8306% | 1,383 |
| Memoranda: | ||
| Average total assets | $132,495,250 | 3,687 |
| Average earning assets | $124,711,000 | 3,666 |
| Average equity | $12,830,250 | 3,896 |
| Average total loans | $70,667,250 | 3,687 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 389 |
| Cost of funding earning assets | 0.1617% | 4,106 |
| Net interest margin | 4.7629% | 234 |
| Noninterest income to average assets | 0.9557% | 1,145 |
| Noninterest expense to average assets | 3.5980% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8355% | 664 |
| Return on assets (ROA) | 1.8355% | 690 |
| Pretax return on assets | 1.8355% | 1,155 |
| Return on Equity (ROE) | 18.6858% | 574 |
| Retained earnings to average equity (ytd only) | 14.6264% | 479 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2193% | 2,121 |
| Assets per employee ($millions) | 5.1447% | 3,517 |
| Cash dividends to net income (ytd only)* | 21.7244% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,583 |
| Loan loss allowance to noncurrent loans | 66.4650% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 902 |
| Noncurrent loans to loans | 1.5961% | 690 |
| Net loans and leases to total assets | 53.6187% | 3,177 |
| Net loans and leases to deposits | 59.4971% | 3,428 |
| Net loans and leases to core deposits | 59.6609% | 3,642 |
| Total domestic deposits to total assets | 90.1198% | 712 |
| Equity capital to assets | 9.7262% | 3,113 |
| Core capital (leverage) ratio | 9.7396% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7188% | 1,410 |
| Memoranda: | ||
| Average total assets | $128,905,333 | 3,735 |
| Average earning assets | $121,187,333 | 3,718 |
| Average equity | $12,662,000 | 3,924 |
| Average total loans | $72,192,667 | 3,685 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 269 |
| Cost of funding earning assets | 0.1621% | 4,225 |
| Net interest margin | 5.0541% | 173 |
| Noninterest income to average assets | 1.0626% | 1,034 |
| Noninterest expense to average assets | 3.6276% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1696% | 442 |
| Return on assets (ROA) | 2.1696% | 475 |
| Pretax return on assets | 2.1696% | 719 |
| Return on Equity (ROE) | 21.9731% | 395 |
| Retained earnings to average equity (ytd only) | 21.9731% | 208 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5750% | 2,662 |
| Assets per employee ($millions) | 4.6206% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 3,595 |
| Loan loss allowance to noncurrent loans | 70.4858% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 656 |
| Noncurrent loans to loans | 1.5110% | 829 |
| Net loans and leases to total assets | 55.2131% | 3,127 |
| Net loans and leases to deposits | 61.3570% | 3,380 |
| Net loans and leases to core deposits | 61.5319% | 3,609 |
| Total domestic deposits to total assets | 89.9866% | 831 |
| Equity capital to assets | 9.8874% | 2,810 |
| Core capital (leverage) ratio | 10.1150% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,476,500 | 3,773 |
| Average earning assets | $118,477,000 | 3,761 |
| Average equity | $12,488,000 | 3,956 |
| Average total loans | $72,043,500 | 3,700 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,398 |
| Cost of funding earning assets | 0.1737% | 4,669 |
| Net interest margin | 4.2919% | 517 |
| Noninterest income to average assets | 1.1015% | 876 |
| Noninterest expense to average assets | 4.0267% | 376 |
| Loan and lease loss provision to assets | 0.0009% | 4,315 |
| Net operating income to assets | 1.0692% | 2,031 |
| Return on assets (ROA) | 1.0692% | 2,172 |
| Pretax return on assets | 1.0692% | 2,817 |
| Return on Equity (ROE) | 10.5148% | 1,804 |
| Retained earnings to average equity (ytd only) | 8.3654% | 956 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0051% | 960 |
| Assets per employee ($millions) | 4.2612% | 4,163 |
| Cash dividends to net income (ytd only)* | 20.4415% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,600 |
| Loan loss allowance to noncurrent loans | 70.3568% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 602 |
| Noncurrent loans to loans | 1.5205% | 871 |
| Net loans and leases to total assets | 57.5484% | 3,140 |
| Net loans and leases to deposits | 63.9901% | 3,438 |
| Net loans and leases to core deposits | 64.1806% | 3,677 |
| Total domestic deposits to total assets | 89.9333% | 592 |
| Equity capital to assets | 9.8595% | 3,254 |
| Core capital (leverage) ratio | 9.6936% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5451% | 1,670 |
| Memoranda: | ||
| Average total assets | $114,386,400 | 3,817 |
| Average earning assets | $106,478,600 | 3,821 |
| Average equity | $11,631,200 | 4,011 |
| Average total loans | $72,584,600 | 3,677 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 971 |
| Cost of funding earning assets | 0.1729% | 4,748 |
| Net interest margin | 4.5719% | 330 |
| Noninterest income to average assets | 1.1181% | 838 |
| Noninterest expense to average assets | 4.1442% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2192% | 1,579 |
| Return on assets (ROA) | 1.2192% | 1,701 |
| Pretax return on assets | 1.2192% | 2,330 |
| Return on Equity (ROE) | 11.8910% | 1,402 |
| Retained earnings to average equity (ytd only) | 8.9908% | 982 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2677% | 1,104 |
| Assets per employee ($millions) | 4.1119% | 4,229 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,453 |
| Loan loss allowance to noncurrent loans | 70.1642% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3295% | 694 |
| Noncurrent loans to loans | 1.4991% | 954 |
| Net loans and leases to total assets | 58.6449% | 3,359 |
| Net loans and leases to deposits | 65.1079% | 3,690 |
| Net loans and leases to core deposits | 65.1079% | 3,948 |
| Total domestic deposits to total assets | 90.0734% | 398 |
| Equity capital to assets | 9.7158% | 3,501 |
| Core capital (leverage) ratio | 9.6567% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2374% | 1,754 |
| Memoranda: | ||
| Average total assets | $112,089,000 | 3,848 |
| Average earning assets | $104,083,500 | 3,846 |
| Average equity | $11,493,000 | 4,038 |
| Average total loans | $72,759,500 | 3,691 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 656 |
| Cost of funding earning assets | 0.1678% | 4,842 |
| Net interest margin | 4.9587% | 221 |
| Noninterest income to average assets | 1.1742% | 724 |
| Noninterest expense to average assets | 4.1815% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5748% | 796 |
| Return on assets (ROA) | 1.5748% | 871 |
| Pretax return on assets | 1.5748% | 1,281 |
| Return on Equity (ROE) | 15.0587% | 698 |
| Retained earnings to average equity (ytd only) | 10.6452% | 667 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6427% | 1,606 |
| Assets per employee ($millions) | 4.2239% | 4,080 |
| Cash dividends to net income (ytd only)* | 29.3083% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,436 |
| Loan loss allowance to noncurrent loans | 70.1642% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 498 |
| Noncurrent loans to loans | 1.4621% | 1,044 |
| Net loans and leases to total assets | 62.7307% | 3,043 |
| Net loans and leases to deposits | 69.8439% | 3,433 |
| Net loans and leases to core deposits | 69.8439% | 3,721 |
| Total domestic deposits to total assets | 89.8156% | 451 |
| Equity capital to assets | 10.0052% | 3,202 |
| Core capital (leverage) ratio | 10.4110% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8298% | 1,883 |
| Memoranda: | ||
| Average total assets | $108,333,333 | 3,890 |
| Average earning assets | $100,106,000 | 3,879 |
| Average equity | $11,329,000 | 4,066 |
| Average total loans | $72,642,333 | 3,702 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 947 |
| Cost of funding earning assets | 0.1642% | 4,951 |
| Net interest margin | 4.8462% | 252 |
| Noninterest income to average assets | 1.3583% | 483 |
| Noninterest expense to average assets | 4.5315% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2809% | 1,294 |
| Return on assets (ROA) | 1.2809% | 1,389 |
| Pretax return on assets | 1.2809% | 1,928 |
| Return on Equity (ROE) | 11.9527% | 1,118 |
| Retained earnings to average equity (ytd only) | 11.9527% | 432 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9627% | 1,339 |
| Assets per employee ($millions) | 3.5874% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,346 |
| Loan loss allowance to noncurrent loans | 70.1642% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 445 |
| Noncurrent loans to loans | 1.5283% | 1,042 |
| Net loans and leases to total assets | 68.1947% | 2,512 |
| Net loans and leases to deposits | 76.6638% | 3,015 |
| Net loans and leases to core deposits | 76.6638% | 3,453 |
| Total domestic deposits to total assets | 88.9529% | 685 |
| Equity capital to assets | 10.8030% | 3,049 |
| Core capital (leverage) ratio | 11.0559% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4984% | 1,756 |
| Memoranda: | ||
| Average total assets | $103,365,500 | 3,941 |
| Average earning assets | $95,002,500 | 3,944 |
| Average equity | $11,077,000 | 4,112 |
| Average total loans | $71,483,500 | 3,737 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 1,332 |
| Cost of funding earning assets | 0.1809% | 4,996 |
| Net interest margin | 4.8739% | 347 |
| Noninterest income to average assets | 1.2837% | 575 |
| Noninterest expense to average assets | 4.6090% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1567% | 2,228 |
| Return on assets (ROA) | 1.1547% | 2,335 |
| Pretax return on assets | 1.1547% | 2,998 |
| Return on Equity (ROE) | 11.4464% | 1,717 |
| Retained earnings to average equity (ytd only) | 9.0068% | 707 |
| Net charge-offs to loans | 0.0045% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 391.6667% | 233 |
| Efficiency ratio | 79.9385% | 949 |
| Assets per employee ($millions) | 3.4232% | 4,548 |
| Cash dividends to net income (ytd only)* | 21.3129% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,065 |
| Loan loss allowance to noncurrent loans | 69.2169% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9728% | 399 |
| Noncurrent loans to loans | 1.5593% | 911 |
| Net loans and leases to total assets | 68.6324% | 2,595 |
| Net loans and leases to deposits | 77.0202% | 3,090 |
| Net loans and leases to core deposits | 77.0202% | 3,513 |
| Total domestic deposits to total assets | 89.1095% | 626 |
| Equity capital to assets | 10.6286% | 3,330 |
| Core capital (leverage) ratio | 10.7812% | 2,691 |
| Tier 1 risk-based capital ratio | 14.1646% | 3,181 |
| Total risk-based capital ratio | 15.1538% | 3,225 |
| Memoranda: | ||
| Average total assets | $101,584,400 | 3,977 |
| Average earning assets | $93,415,400 | 3,983 |
| Average equity | $10,247,800 | 4,208 |
| Average total loans | $66,407,800 | 3,850 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 1,437 |
| Cost of funding earning assets | 0.1860% | 5,061 |
| Net interest margin | 4.8565% | 375 |
| Noninterest income to average assets | 1.2806% | 561 |
| Noninterest expense to average assets | 4.6353% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1121% | 2,529 |
| Return on assets (ROA) | 1.1095% | 2,623 |
| Pretax return on assets | 1.1095% | 3,267 |
| Return on Equity (ROE) | 11.1494% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.8430% | 1,471 |
| Net charge-offs to loans | 0.0061% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 281.6600% | 325 |
| Efficiency ratio | 80.6503% | 864 |
| Assets per employee ($millions) | 3.2117% | 4,744 |
| Cash dividends to net income (ytd only)* | 29.6565% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,018 |
| Loan loss allowance to noncurrent loans | 69.6558% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 302 |
| Noncurrent loans to loans | 1.5823% | 932 |
| Net loans and leases to total assets | 67.1418% | 2,907 |
| Net loans and leases to deposits | 75.0128% | 3,385 |
| Net loans and leases to core deposits | 75.0128% | 3,763 |
| Total domestic deposits to total assets | 89.5072% | 442 |
| Equity capital to assets | 10.2681% | 3,755 |
| Core capital (leverage) ratio | 10.4378% | 3,156 |
| Tier 1 risk-based capital ratio | 14.0608% | 3,297 |
| Total risk-based capital ratio | 15.0731% | 3,323 |
| Memoranda: | ||
| Average total assets | $101,306,750 | 4,023 |
| Average earning assets | $93,177,750 | 4,032 |
| Average equity | $10,081,000 | 4,274 |
| Average total loans | $65,197,000 | 3,928 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 1,405 |
| Cost of funding earning assets | 0.1877% | 5,103 |
| Net interest margin | 4.8390% | 381 |
| Noninterest income to average assets | 1.1982% | 594 |
| Noninterest expense to average assets | 4.6103% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0375% | 2,773 |
| Return on assets (ROA) | 1.0336% | 2,868 |
| Pretax return on assets | 1.0336% | 3,439 |
| Return on Equity (ROE) | 10.5001% | 2,176 |
| Retained earnings to average equity (ytd only) | 5.4617% | 2,537 |
| Net charge-offs to loans | 0.0094% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 174.3333% | 434 |
| Efficiency ratio | 81.6298% | 829 |
| Assets per employee ($millions) | 3.1620% | 4,799 |
| Cash dividends to net income (ytd only)* | 47.9846% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,773 |
| Loan loss allowance to noncurrent loans | 50.1304% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.8720% | 220 |
| Noncurrent loans to loans | 2.3006% | 566 |
| Net loans and leases to total assets | 65.1384% | 3,215 |
| Net loans and leases to deposits | 72.6158% | 3,629 |
| Net loans and leases to core deposits | 73.0269% | 3,941 |
| Total domestic deposits to total assets | 89.7028% | 415 |
| Equity capital to assets | 10.1153% | 3,872 |
| Core capital (leverage) ratio | 10.2848% | 3,302 |
| Tier 1 risk-based capital ratio | 14.5877% | 3,026 |
| Total risk-based capital ratio | 15.6706% | 3,020 |
| Memoranda: | ||
| Average total assets | $100,817,330 | 4,056 |
| Average earning assets | $92,705,000 | 4,064 |
| Average equity | $9,923,670 | 4,310 |
| Average total loans | $63,671,330 | 3,979 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 1,660 |
| Cost of funding earning assets | 0.1991% | 5,119 |
| Net interest margin | 4.6791% | 517 |
| Noninterest income to average assets | 1.1924% | 570 |
| Noninterest expense to average assets | 4.5710% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9182% | 3,168 |
| Return on assets (ROA) | 0.9182% | 3,204 |
| Pretax return on assets | 0.9182% | 3,702 |
| Return on Equity (ROE) | 9.4595% | 2,605 |
| Retained earnings to average equity (ytd only) | 9.4595% | 1,178 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2730% | 767 |
| Assets per employee ($millions) | 3.0640% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,405 |
| Loan loss allowance to noncurrent loans | 69.8643% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.5813% | 290 |
| Noncurrent loans to loans | 1.7666% | 879 |
| Net loans and leases to total assets | 61.0970% | 3,590 |
| Net loans and leases to deposits | 67.8779% | 3,937 |
| Net loans and leases to core deposits | 68.2596% | 4,166 |
| Total domestic deposits to total assets | 90.0102% | 444 |
| Equity capital to assets | 9.8543% | 3,964 |
| Core capital (leverage) ratio | 10.3957% | 3,170 |
| Tier 1 risk-based capital ratio | 17.3893% | 1,977 |
| Total risk-based capital ratio | 18.6395% | 1,927 |
| Memoranda: | ||
| Average total assets | $100,634,500 | 4,098 |
| Average earning assets | $92,410,500 | 4,103 |
| Average equity | $9,768,000 | 4,361 |
| Average total loans | $62,168,000 | 4,043 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,392 |
| Cost of funding earning assets | 0.2155% | 4,944 |
| Net interest margin | 4.3074% | 1,131 |
| Noninterest income to average assets | 1.3113% | 537 |
| Noninterest expense to average assets | 4.0697% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1736% | 2,296 |
| Return on assets (ROA) | 1.1736% | 2,282 |
| Pretax return on assets | 1.1736% | 2,995 |
| Return on Equity (ROE) | 13.3598% | 1,215 |
| Retained earnings to average equity (ytd only) | 13.3598% | 204 |
| Net charge-offs to loans | -0.1355% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6173% | 1,169 |
| Assets per employee ($millions) | 3.1299% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,304 |
| Loan loss allowance to noncurrent loans | 54.2135% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9284% | 221 |
| Noncurrent loans to loans | 2.3047% | 549 |
| Net loans and leases to total assets | 60.9200% | 3,674 |
| Net loans and leases to deposits | 67.5229% | 4,008 |
| Net loans and leases to core deposits | 67.9046% | 4,240 |
| Total domestic deposits to total assets | 90.2213% | 408 |
| Equity capital to assets | 9.5571% | 4,080 |
| Core capital (leverage) ratio | 10.0919% | 3,471 |
| Tier 1 risk-based capital ratio | 17.0098% | 2,064 |
| Total risk-based capital ratio | 18.2592% | 2,011 |
| Memoranda: | ||
| Average total assets | $101,653,800 | 4,071 |
| Average earning assets | $92,793,600 | 4,083 |
| Average equity | $8,929,800 | 4,469 |
| Average total loans | $60,520,200 | 4,078 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,518 |
| Cost of funding earning assets | 0.2176% | 4,955 |
| Net interest margin | 4.2168% | 1,311 |
| Noninterest income to average assets | 1.3355% | 533 |
| Noninterest expense to average assets | 3.9818% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2036% | 2,228 |
| Return on assets (ROA) | 1.2036% | 2,225 |
| Pretax return on assets | 1.2036% | 2,967 |
| Return on Equity (ROE) | 14.0031% | 1,122 |
| Retained earnings to average equity (ytd only) | 14.0031% | 248 |
| Net charge-offs to loans | -0.1860% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7893% | 1,258 |
| Assets per employee ($millions) | 3.5479% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,341 |
| Loan loss allowance to noncurrent loans | 53.8622% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.8662% | 267 |
| Noncurrent loans to loans | 2.3296% | 581 |
| Net loans and leases to total assets | 59.2007% | 3,932 |
| Net loans and leases to deposits | 65.0626% | 4,269 |
| Net loans and leases to core deposits | 65.4169% | 4,436 |
| Total domestic deposits to total assets | 90.9903% | 225 |
| Equity capital to assets | 8.8153% | 4,711 |
| Core capital (leverage) ratio | 9.6065% | 4,053 |
| Tier 1 risk-based capital ratio | 17.0476% | 2,090 |
| Total risk-based capital ratio | 18.2980% | 2,031 |
| Memoranda: | ||
| Average total assets | $102,028,250 | 4,107 |
| Average earning assets | $93,147,750 | 4,125 |
| Average equity | $8,769,250 | 4,533 |
| Average total loans | $60,203,500 | 4,132 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,557 |
| Cost of funding earning assets | 0.2199% | 4,922 |
| Net interest margin | 4.1368% | 1,455 |
| Noninterest income to average assets | 1.3721% | 504 |
| Noninterest expense to average assets | 3.9650% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1795% | 2,283 |
| Return on assets (ROA) | 1.1795% | 2,283 |
| Pretax return on assets | 1.1795% | 3,010 |
| Return on Equity (ROE) | 13.8424% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.8424% | 296 |
| Net charge-offs to loans | -0.2948% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0730% | 1,304 |
| Assets per employee ($millions) | 3.5117% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,283 |
| Loan loss allowance to noncurrent loans | 54.3296% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8938% | 267 |
| Noncurrent loans to loans | 2.3516% | 572 |
| Net loans and leases to total assets | 59.0314% | 3,898 |
| Net loans and leases to deposits | 64.7499% | 4,232 |
| Net loans and leases to core deposits | 65.1047% | 4,423 |
| Total domestic deposits to total assets | 91.1684% | 211 |
| Equity capital to assets | 8.6774% | 4,819 |
| Core capital (leverage) ratio | 9.4933% | 4,119 |
| Tier 1 risk-based capital ratio | 16.3490% | 2,310 |
| Total risk-based capital ratio | 17.6008% | 2,256 |
| Memoranda: | ||
| Average total assets | $101,741,330 | 4,148 |
| Average earning assets | $92,777,330 | 4,164 |
| Average equity | $8,669,000 | 4,588 |
| Average total loans | $59,709,670 | 4,167 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 2,709 |
| Cost of funding earning assets | 0.2285% | 4,843 |
| Net interest margin | 4.0219% | 1,652 |
| Noninterest income to average assets | 1.2823% | 567 |
| Noninterest expense to average assets | 3.8508% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1014% | 2,411 |
| Return on assets (ROA) | 1.1014% | 2,427 |
| Pretax return on assets | 1.1014% | 3,172 |
| Return on Equity (ROE) | 13.0460% | 1,249 |
| Retained earnings to average equity (ytd only) | 13.0460% | 514 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7601% | 1,376 |
| Assets per employee ($millions) | 3.5936% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,962 |
| Loan loss allowance to noncurrent loans | 61.3333% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 3.3154% | 219 |
| Noncurrent loans to loans | 1.9138% | 854 |
| Net loans and leases to total assets | 57.7339% | 3,964 |
| Net loans and leases to deposits | 63.2835% | 4,256 |
| Net loans and leases to core deposits | 63.6329% | 4,445 |
| Total domestic deposits to total assets | 91.2305% | 245 |
| Equity capital to assets | 8.5160% | 4,965 |
| Core capital (leverage) ratio | 8.8363% | 4,861 |
| Tier 1 risk-based capital ratio | 14.9258% | 2,900 |
| Total risk-based capital ratio | 16.0854% | 2,892 |
| Memoranda: | ||
| Average total assets | $101,692,500 | 4,200 |
| Average earning assets | $92,791,000 | 4,213 |
| Average equity | $8,585,000 | 4,651 |
| Average total loans | $59,117,000 | 4,219 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 2,654 |
| Cost of funding earning assets | 0.2538% | 4,529 |
| Net interest margin | 3.9564% | 1,896 |
| Noninterest income to average assets | 1.3265% | 600 |
| Noninterest expense to average assets | 4.0042% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9280% | 2,558 |
| Return on assets (ROA) | 0.9280% | 2,585 |
| Pretax return on assets | 0.9280% | 3,820 |
| Return on Equity (ROE) | 11.6454% | 1,306 |
| Retained earnings to average equity (ytd only) | 11.6454% | 200 |
| Net charge-offs to loans | 0.0123% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 134.7143% | 512 |
| Efficiency ratio | 81.1852% | 988 |
| Assets per employee ($millions) | 3.5436% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,004 |
| Loan loss allowance to noncurrent loans | 58.8737% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 3.5616% | 186 |
| Noncurrent loans to loans | 1.9714% | 777 |
| Net loans and leases to total assets | 57.1811% | 4,088 |
| Net loans and leases to deposits | 62.5570% | 4,405 |
| Net loans and leases to core deposits | 62.8937% | 4,604 |
| Total domestic deposits to total assets | 91.4064% | 154 |
| Equity capital to assets | 8.3697% | 5,216 |
| Core capital (leverage) ratio | 8.7096% | 4,946 |
| Tier 1 risk-based capital ratio | 14.5946% | 3,045 |
| Total risk-based capital ratio | 15.7268% | 3,020 |
| Memoranda: | ||
| Average total assets | $101,618,000 | 4,208 |
| Average earning assets | $92,609,200 | 4,227 |
| Average equity | $8,097,600 | 4,770 |
| Average total loans | $57,068,400 | 4,265 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 2,671 |
| Cost of funding earning assets | 0.2547% | 4,523 |
| Net interest margin | 3.9290% | 1,937 |
| Noninterest income to average assets | 1.3105% | 619 |
| Noninterest expense to average assets | 4.0052% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8776% | 3,143 |
| Return on assets (ROA) | 0.8776% | 3,187 |
| Pretax return on assets | 0.8776% | 4,113 |
| Return on Equity (ROE) | 11.1558% | 1,626 |
| Retained earnings to average equity (ytd only) | 11.1558% | 391 |
| Net charge-offs to loans | 0.0165% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 95.3173% | 710 |
| Efficiency ratio | 82.0264% | 914 |
| Assets per employee ($millions) | 3.5617% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,107 |
| Loan loss allowance to noncurrent loans | 1,380.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 447 |
| Noncurrent loans to loans | 0.0846% | 4,733 |
| Net loans and leases to total assets | 56.5559% | 4,190 |
| Net loans and leases to deposits | 61.7629% | 4,529 |
| Net loans and leases to core deposits | 62.0998% | 4,706 |
| Total domestic deposits to total assets | 91.5693% | 96 |
| Equity capital to assets | 8.2100% | 5,432 |
| Core capital (leverage) ratio | 8.4437% | 5,281 |
| Tier 1 risk-based capital ratio | 14.3342% | 3,275 |
| Total risk-based capital ratio | 15.4816% | 3,236 |
| Memoranda: | ||
| Average total assets | $101,331,750 | 4,258 |
| Average earning assets | $92,133,750 | 4,275 |
| Average equity | $7,971,750 | 4,838 |
| Average total loans | $56,472,750 | 4,316 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,864 |
| Cost of funding earning assets | 0.2609% | 4,456 |
| Net interest margin | 3.8274% | 2,183 |
| Noninterest income to average assets | 1.3270% | 600 |
| Noninterest expense to average assets | 4.1498% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6456% | 4,104 |
| Return on assets (ROA) | 0.6456% | 4,152 |
| Pretax return on assets | 0.6456% | 4,701 |
| Return on Equity (ROE) | 8.3308% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.3308% | 1,047 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5369% | 653 |
| Assets per employee ($millions) | 3.4976% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,918 |
| Loan loss allowance to noncurrent loans | 357.4359% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 3.2259% | 274 |
| Noncurrent loans to loans | 0.3404% | 3,825 |
| Net loans and leases to total assets | 55.7937% | 4,246 |
| Net loans and leases to deposits | 60.8270% | 4,571 |
| Net loans and leases to core deposits | 61.1636% | 4,760 |
| Total domestic deposits to total assets | 91.7252% | 100 |
| Equity capital to assets | 8.0884% | 5,497 |
| Core capital (leverage) ratio | 8.2226% | 5,413 |
| Tier 1 risk-based capital ratio | 14.4743% | 3,181 |
| Total risk-based capital ratio | 15.6932% | 3,123 |
| Memoranda: | ||
| Average total assets | $100,679,330 | 4,294 |
| Average earning assets | $91,236,670 | 4,320 |
| Average equity | $7,802,330 | 4,890 |
| Average total loans | $55,595,000 | 4,366 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 2,972 |
| Cost of funding earning assets | 0.2640% | 4,415 |
| Net interest margin | 3.7527% | 2,294 |
| Noninterest income to average assets | 1.2761% | 623 |
| Noninterest expense to average assets | 3.9520% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7258% | 3,589 |
| Return on assets (ROA) | 0.7258% | 3,638 |
| Pretax return on assets | 0.7258% | 4,366 |
| Return on Equity (ROE) | 9.5771% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.5771% | 909 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4842% | 930 |
| Assets per employee ($millions) | 3.5139% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,488 |
| Loan loss allowance to noncurrent loans | 576.0331% | 948 |
| Noncurrent assets plus other real estate owned to assets | 3.2403% | 287 |
| Noncurrent loans to loans | 0.2275% | 4,298 |
| Net loans and leases to total assets | 51.5152% | 4,557 |
| Net loans and leases to deposits | 55.9259% | 4,820 |
| Net loans and leases to core deposits | 56.2315% | 4,965 |
| Total domestic deposits to total assets | 92.1132% | 92 |
| Equity capital to assets | 7.6209% | 5,649 |
| Core capital (leverage) ratio | 8.1792% | 5,467 |
| Tier 1 risk-based capital ratio | 15.0551% | 2,942 |
| Total risk-based capital ratio | 16.3061% | 2,871 |
| Memoranda: | ||
| Average total assets | $100,304,500 | 4,343 |
| Average earning assets | $90,922,000 | 4,371 |
| Average equity | $7,601,500 | 4,955 |
| Average total loans | $54,748,500 | 4,433 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 2,527 |
| Cost of funding earning assets | 0.2871% | 4,198 |
| Net interest margin | 3.9010% | 1,965 |
| Noninterest income to average assets | 1.2342% | 746 |
| Noninterest expense to average assets | 4.3355% | 434 |
| Loan and lease loss provision to assets | 0.0146% | 4,083 |
| Net operating income to assets | 0.3797% | 5,010 |
| Return on assets (ROA) | 0.5230% | 4,623 |
| Pretax return on assets | 0.5230% | 4,979 |
| Return on Equity (ROE) | 6.4126% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.4126% | 1,494 |
| Net charge-offs to loans | 0.1965% | 1,410 |
| Credit loss provision to net charge-offs | 12.9630% | 3,728 |
| Earnings coverage of net charge-offs (x) | 3.4907% | 3,655 |
| Efficiency ratio | 91.6630% | 477 |
| Assets per employee ($millions) | 3.5252% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,888 |
| Loan loss allowance to noncurrent loans | 557.6000% | 973 |
| Noncurrent assets plus other real estate owned to assets | 3.4071% | 262 |
| Noncurrent loans to loans | 0.2220% | 4,357 |
| Net loans and leases to total assets | 56.3366% | 4,235 |
| Net loans and leases to deposits | 61.0965% | 4,608 |
| Net loans and leases to core deposits | 61.4401% | 4,779 |
| Total domestic deposits to total assets | 92.2091% | 88 |
| Equity capital to assets | 7.5346% | 5,712 |
| Core capital (leverage) ratio | 7.9187% | 5,655 |
| Tier 1 risk-based capital ratio | 14.3434% | 3,257 |
| Total risk-based capital ratio | 15.5933% | 3,190 |
| Memoranda: | ||
| Average total assets | $95,605,800 | 4,437 |
| Average earning assets | $85,670,400 | 4,477 |
| Average equity | $7,797,200 | 4,966 |
| Average total loans | $54,948,600 | 4,434 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,479 |
| Cost of funding earning assets | 0.2891% | 4,220 |
| Net interest margin | 3.9216% | 1,905 |
| Noninterest income to average assets | 1.2752% | 715 |
| Noninterest expense to average assets | 4.2657% | 461 |
| Loan and lease loss provision to assets | 0.0197% | 3,850 |
| Net operating income to assets | 0.4991% | 4,701 |
| Return on assets (ROA) | 0.6917% | 4,031 |
| Pretax return on assets | 0.6917% | 4,629 |
| Return on Equity (ROE) | 8.3170% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.3170% | 1,041 |
| Net charge-offs to loans | 0.2661% | 873 |
| Credit loss provision to net charge-offs | 12.8440% | 3,347 |
| Earnings coverage of net charge-offs (x) | 3.3853% | 3,425 |
| Efficiency ratio | 89.1566% | 606 |
| Assets per employee ($millions) | 3.5309% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,772 |
| Loan loss allowance to noncurrent loans | 116.3880% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 3.4360% | 294 |
| Noncurrent loans to loans | 1.1037% | 2,044 |
| Net loans and leases to total assets | 54.1000% | 4,486 |
| Net loans and leases to deposits | 59.0940% | 4,815 |
| Net loans and leases to core deposits | 59.2630% | 4,981 |
| Total domestic deposits to total assets | 91.5491% | 113 |
| Equity capital to assets | 8.2233% | 5,662 |
| Core capital (leverage) ratio | 8.1426% | 5,618 |
| Tier 1 risk-based capital ratio | 14.5684% | 3,255 |
| Total risk-based capital ratio | 15.8191% | 3,191 |
| Memoranda: | ||
| Average total assets | $94,831,000 | 4,485 |
| Average earning assets | $84,860,250 | 4,533 |
| Average equity | $7,887,250 | 5,008 |
| Average total loans | $54,609,750 | 4,477 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,093 |
| Cost of funding earning assets | 0.2986% | 4,149 |
| Net interest margin | 4.0215% | 1,578 |
| Noninterest income to average assets | 1.3136% | 663 |
| Noninterest expense to average assets | 4.3172% | 439 |
| Loan and lease loss provision to assets | 0.0300% | 3,533 |
| Net operating income to assets | 0.5391% | 4,525 |
| Return on assets (ROA) | 0.5391% | 4,634 |
| Pretax return on assets | 0.5391% | 5,050 |
| Return on Equity (ROE) | 6.4563% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.4563% | 1,890 |
| Net charge-offs to loans | 0.3982% | 572 |
| Credit loss provision to net charge-offs | 12.8440% | 2,977 |
| Earnings coverage of net charge-offs (x) | 2.4404% | 3,273 |
| Efficiency ratio | 88.3538% | 695 |
| Assets per employee ($millions) | 3.3375% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,779 |
| Loan loss allowance to noncurrent loans | 116.3880% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 3.6448% | 282 |
| Noncurrent loans to loans | 1.1175% | 2,058 |
| Net loans and leases to total assets | 56.5175% | 4,252 |
| Net loans and leases to deposits | 61.9647% | 4,654 |
| Net loans and leases to core deposits | 62.1521% | 4,875 |
| Total domestic deposits to total assets | 91.2091% | 154 |
| Equity capital to assets | 8.6058% | 5,531 |
| Core capital (leverage) ratio | 8.2512% | 5,571 |
| Tier 1 risk-based capital ratio | 14.4269% | 3,359 |
| Total risk-based capital ratio | 15.6774% | 3,287 |
| Memoranda: | ||
| Average total assets | $93,486,330 | 4,546 |
| Average earning assets | $83,053,000 | 4,605 |
| Average equity | $7,806,330 | 5,062 |
| Average total loans | $54,752,330 | 4,512 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 1,829 |
| Cost of funding earning assets | 0.3011% | 4,154 |
| Net interest margin | 4.0891% | 1,372 |
| Noninterest income to average assets | 1.3047% | 640 |
| Noninterest expense to average assets | 4.2479% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6588% | 3,938 |
| Return on assets (ROA) | 0.6588% | 4,059 |
| Pretax return on assets | 0.6588% | 4,655 |
| Return on Equity (ROE) | 8.0120% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.0120% | 1,449 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5737% | 921 |
| Assets per employee ($millions) | 3.3175% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,248 |
| Loan loss allowance to noncurrent loans | 100.8929% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 5.9996% | 116 |
| Noncurrent loans to loans | 1.4268% | 1,669 |
| Net loans and leases to total assets | 58.3012% | 4,009 |
| Net loans and leases to deposits | 63.8640% | 4,452 |
| Net loans and leases to core deposits | 64.0664% | 4,684 |
| Total domestic deposits to total assets | 91.2897% | 200 |
| Equity capital to assets | 8.4196% | 5,621 |
| Core capital (leverage) ratio | 8.2276% | 5,629 |
| Tier 1 risk-based capital ratio | 13.6691% | 3,890 |
| Total risk-based capital ratio | 14.9216% | 3,814 |
| Memoranda: | ||
| Average total assets | $93,505,000 | 4,589 |
| Average earning assets | $82,365,500 | 4,653 |
| Average equity | $7,688,500 | 5,113 |
| Average total loans | $55,373,000 | 4,518 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 1,988 |
| Cost of funding earning assets | 0.3212% | 4,012 |
| Net interest margin | 4.0529% | 1,551 |
| Noninterest income to average assets | 1.2690% | 742 |
| Noninterest expense to average assets | 4.7523% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0503% | 5,816 |
| Return on assets (ROA) | 0.0503% | 5,851 |
| Pretax return on assets | 0.0503% | 5,846 |
| Return on Equity (ROE) | 0.6046% | 5,824 |
| Retained earnings to average equity (ytd only) | 0.6046% | 5,274 |
| Net charge-offs to loans | 0.0243% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.5385% | 3,715 |
| Efficiency ratio | 98.9522% | 308 |
| Assets per employee ($millions) | 3.2455% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 2,345 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 5.9392% | 137 |
| Noncurrent loans to loans | 1.4158% | 1,648 |
| Net loans and leases to total assets | 58.4456% | 4,025 |
| Net loans and leases to deposits | 63.7025% | 4,489 |
| Net loans and leases to core deposits | 63.9416% | 4,740 |
| Total domestic deposits to total assets | 91.7478% | 137 |
| Equity capital to assets | 8.0280% | 5,841 |
| Core capital (leverage) ratio | 8.1151% | 5,768 |
| Tier 1 risk-based capital ratio | 13.1718% | 4,185 |
| Total risk-based capital ratio | 14.4231% | 4,113 |
| Memoranda: | ||
| Average total assets | $91,408,800 | 4,637 |
| Average earning assets | $79,696,400 | 4,722 |
| Average equity | $7,608,800 | 5,130 |
| Average total loans | $53,512,000 | 4,566 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 1,969 |
| Cost of funding earning assets | 0.3261% | 4,035 |
| Net interest margin | 4.0584% | 1,535 |
| Noninterest income to average assets | 1.2476% | 777 |
| Noninterest expense to average assets | 4.7568% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0206% | 5,921 |
| Return on assets (ROA) | 0.0206% | 5,958 |
| Pretax return on assets | 0.0206% | 5,954 |
| Return on Equity (ROE) | 0.2449% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.2449% | 5,535 |
| Net charge-offs to loans | 0.0353% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,892 |
| Efficiency ratio | 99.5694% | 307 |
| Assets per employee ($millions) | 2.8894% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 2,341 |
| Loan loss allowance to noncurrent loans | 115.0146% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 6.5985% | 124 |
| Noncurrent loans to loans | 1.2668% | 2,017 |
| Net loans and leases to total assets | 57.7136% | 4,174 |
| Net loans and leases to deposits | 63.0309% | 4,641 |
| Net loans and leases to core deposits | 63.2986% | 4,851 |
| Total domestic deposits to total assets | 91.5639% | 149 |
| Equity capital to assets | 8.2241% | 5,860 |
| Core capital (leverage) ratio | 8.0888% | 5,852 |
| Tier 1 risk-based capital ratio | 13.3260% | 4,234 |
| Total risk-based capital ratio | 14.5776% | 4,158 |
| Memoranda: | ||
| Average total assets | $90,731,000 | 4,704 |
| Average earning assets | $78,913,250 | 4,802 |
| Average equity | $7,622,000 | 5,192 |
| Average total loans | $52,940,250 | 4,634 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 1,908 |
| Cost of funding earning assets | 0.3319% | 4,028 |
| Net interest margin | 4.0518% | 1,493 |
| Noninterest income to average assets | 1.2334% | 801 |
| Noninterest expense to average assets | 4.8894% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1353% | 6,069 |
| Return on assets (ROA) | -0.1353% | 6,097 |
| Pretax return on assets | -0.1353% | 6,083 |
| Return on Equity (ROE) | -1.5994% | 6,111 |
| Retained earnings to average equity (ytd only) | -1.5994% | 5,786 |
| Net charge-offs to loans | 0.0038% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -61.0000% | 3,883 |
| Efficiency ratio | 102.8465% | 274 |
| Assets per employee ($millions) | 2.7471% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 2,269 |
| Loan loss allowance to noncurrent loans | 115.8960% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 6.9231% | 128 |
| Noncurrent loans to loans | 1.3004% | 2,064 |
| Net loans and leases to total assets | 57.8150% | 4,124 |
| Net loans and leases to deposits | 63.1602% | 4,607 |
| Net loans and leases to core deposits | 63.6628% | 4,835 |
| Total domestic deposits to total assets | 91.5370% | 177 |
| Equity capital to assets | 8.3163% | 5,821 |
| Core capital (leverage) ratio | 8.1604% | 5,822 |
| Tier 1 risk-based capital ratio | 13.1470% | 4,428 |
| Total risk-based capital ratio | 14.3997% | 4,346 |
| Memoranda: | ||
| Average total assets | $90,154,670 | 4,764 |
| Average earning assets | $78,335,330 | 4,864 |
| Average equity | $7,628,000 | 5,240 |
| Average total loans | $52,536,670 | 4,686 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 1,953 |
| Cost of funding earning assets | 0.3335% | 4,058 |
| Net interest margin | 4.0128% | 1,511 |
| Noninterest income to average assets | 1.1746% | 831 |
| Noninterest expense to average assets | 4.8718% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2180% | 6,153 |
| Return on assets (ROA) | -0.2180% | 6,176 |
| Pretax return on assets | -0.2180% | 6,164 |
| Return on Equity (ROE) | -2.5546% | 6,199 |
| Retained earnings to average equity (ytd only) | -2.5546% | 5,752 |
| Net charge-offs to loans | -0.0153% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6845% | 261 |
| Assets per employee ($millions) | 2.7348% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 2,308 |
| Loan loss allowance to noncurrent loans | 101.8987% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 6.9895% | 134 |
| Noncurrent loans to loans | 1.5039% | 1,882 |
| Net loans and leases to total assets | 57.3130% | 4,049 |
| Net loans and leases to deposits | 62.8654% | 4,492 |
| Net loans and leases to core deposits | 63.3667% | 4,754 |
| Total domestic deposits to total assets | 91.1679% | 300 |
| Equity capital to assets | 8.5374% | 5,714 |
| Core capital (leverage) ratio | 8.2729% | 5,761 |
| Tier 1 risk-based capital ratio | 13.4937% | 4,321 |
| Total risk-based capital ratio | 14.7459% | 4,241 |
| Memoranda: | ||
| Average total assets | $89,905,500 | 4,811 |
| Average earning assets | $77,950,000 | 4,918 |
| Average equity | $7,672,500 | 5,264 |
| Average total loans | $52,198,500 | 4,729 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 2,188 |
| Cost of funding earning assets | 0.3703% | 4,039 |
| Net interest margin | 4.0389% | 1,779 |
| Noninterest income to average assets | 1.3372% | 686 |
| Noninterest expense to average assets | 4.7248% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0769% | 5,982 |
| Return on assets (ROA) | 0.0769% | 6,009 |
| Pretax return on assets | 0.0769% | 6,012 |
| Return on Equity (ROE) | 0.9497% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.9497% | 5,351 |
| Net charge-offs to loans | 0.3100% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 4,640 |
| Efficiency ratio | 98.3992% | 412 |
| Assets per employee ($millions) | 2.7140% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 2,262 |
| Loan loss allowance to noncurrent loans | 132.9470% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 7.1013% | 143 |
| Noncurrent loans to loans | 1.1645% | 2,503 |
| Net loans and leases to total assets | 57.0159% | 4,193 |
| Net loans and leases to deposits | 62.4621% | 4,686 |
| Net loans and leases to core deposits | 62.9604% | 4,925 |
| Total domestic deposits to total assets | 91.2808% | 278 |
| Equity capital to assets | 8.5305% | 5,722 |
| Core capital (leverage) ratio | 8.1252% | 5,908 |
| Tier 1 risk-based capital ratio | 13.1849% | 4,595 |
| Total risk-based capital ratio | 14.4363% | 4,525 |
| Memoranda: | ||
| Average total assets | $88,469,400 | 4,881 |
| Average earning assets | $75,886,800 | 4,992 |
| Average equity | $7,159,800 | 5,380 |
| Average total loans | $49,353,000 | 4,839 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,318 |
| Cost of funding earning assets | 0.3743% | 4,083 |
| Net interest margin | 4.0021% | 1,871 |
| Noninterest income to average assets | 1.3621% | 664 |
| Noninterest expense to average assets | 4.6713% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1179% | 6,001 |
| Return on assets (ROA) | 0.1179% | 6,031 |
| Pretax return on assets | 0.1179% | 6,042 |
| Return on Equity (ROE) | 1.4773% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.4773% | 5,305 |
| Net charge-offs to loans | 0.4241% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5032% | 4,371 |
| Efficiency ratio | 97.5379% | 451 |
| Assets per employee ($millions) | 2.7304% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 2,443 |
| Loan loss allowance to noncurrent loans | 72.2924% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 7.6134% | 145 |
| Noncurrent loans to loans | 2.1616% | 1,420 |
| Net loans and leases to total assets | 55.9997% | 4,331 |
| Net loans and leases to deposits | 61.0731% | 4,840 |
| Net loans and leases to core deposits | 61.5965% | 5,070 |
| Total domestic deposits to total assets | 91.6929% | 200 |
| Equity capital to assets | 8.1495% | 6,044 |
| Core capital (leverage) ratio | 8.2213% | 5,908 |
| Tier 1 risk-based capital ratio | 13.2843% | 4,681 |
| Total risk-based capital ratio | 14.5359% | 4,617 |
| Memoranda: | ||
| Average total assets | $88,196,500 | 4,938 |
| Average earning assets | $75,525,250 | 5,052 |
| Average equity | $7,039,750 | 5,454 |
| Average total loans | $48,724,500 | 4,910 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,502 |
| Cost of funding earning assets | 0.3751% | 4,161 |
| Net interest margin | 3.9491% | 1,974 |
| Noninterest income to average assets | 1.0918% | 999 |
| Noninterest expense to average assets | 4.7533% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2947% | 6,370 |
| Return on assets (ROA) | -0.2947% | 6,377 |
| Pretax return on assets | -0.2947% | 6,360 |
| Return on Equity (ROE) | -3.7183% | 6,406 |
| Retained earnings to average equity (ytd only) | -3.7183% | 6,154 |
| Net charge-offs to loans | 0.6600% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.8165% | 4,196 |
| Efficiency ratio | 106.6086% | 284 |
| Assets per employee ($millions) | 2.6275% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 2,454 |
| Loan loss allowance to noncurrent loans | 71.3393% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 7.9163% | 141 |
| Noncurrent loans to loans | 2.2437% | 1,456 |
| Net loans and leases to total assets | 54.9818% | 4,413 |
| Net loans and leases to deposits | 59.8628% | 4,878 |
| Net loans and leases to core deposits | 60.3771% | 5,112 |
| Total domestic deposits to total assets | 91.8464% | 194 |
| Equity capital to assets | 8.0383% | 6,131 |
| Core capital (leverage) ratio | 8.1754% | 5,955 |
| Tier 1 risk-based capital ratio | 13.0190% | 4,896 |
| Total risk-based capital ratio | 14.2718% | 4,830 |
| Memoranda: | ||
| Average total assets | $87,560,670 | 4,982 |
| Average earning assets | $74,649,330 | 5,117 |
| Average equity | $6,938,670 | 5,504 |
| Average total loans | $47,879,670 | 4,969 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,847 |
| Cost of funding earning assets | 0.3751% | 4,252 |
| Net interest margin | 3.8325% | 2,333 |
| Noninterest income to average assets | 1.0153% | 1,099 |
| Noninterest expense to average assets | 4.7396% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4707% | 6,463 |
| Return on assets (ROA) | -0.4707% | 6,465 |
| Pretax return on assets | -0.4707% | 6,448 |
| Return on Equity (ROE) | -5.9846% | 6,491 |
| Retained earnings to average equity (ytd only) | -5.9846% | 6,182 |
| Net charge-offs to loans | 0.9475% | 366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.9189% | 3,506 |
| Efficiency ratio | 111.0270% | 252 |
| Assets per employee ($millions) | 2.6485% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 2,013 |
| Loan loss allowance to noncurrent loans | 33.8000% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 10.0089% | 114 |
| Noncurrent loans to loans | 5.3490% | 384 |
| Net loans and leases to total assets | 52.5080% | 4,615 |
| Net loans and leases to deposits | 57.1306% | 5,022 |
| Net loans and leases to core deposits | 57.6299% | 5,227 |
| Total domestic deposits to total assets | 91.9087% | 273 |
| Equity capital to assets | 7.8110% | 6,169 |
| Core capital (leverage) ratio | 8.4171% | 5,731 |
| Tier 1 risk-based capital ratio | 13.5201% | 4,668 |
| Total risk-based capital ratio | 14.7750% | 4,603 |
| Memoranda: | ||
| Average total assets | $86,673,500 | 5,053 |
| Average earning assets | $73,581,000 | 5,189 |
| Average equity | $6,817,500 | 5,562 |
| Average total loans | $46,861,000 | 5,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 3,355 |
| Cost of funding earning assets | 0.4057% | 4,585 |
| Net interest margin | 3.7920% | 2,680 |
| Noninterest income to average assets | 0.9555% | 1,508 |
| Noninterest expense to average assets | 4.7529% | 423 |
| Loan and lease loss provision to assets | 0.0128% | 4,865 |
| Net operating income to assets | -0.6004% | 6,523 |
| Return on assets (ROA) | -0.6004% | 6,525 |
| Pretax return on assets | -0.6004% | 6,511 |
| Return on Equity (ROE) | -6.9162% | 6,532 |
| Retained earnings to average equity (ytd only) | -6.9162% | 6,458 |
| Net charge-offs to loans | 0.3859% | 1,753 |
| Credit loss provision to net charge-offs | 6.2147% | 4,635 |
| Earnings coverage of net charge-offs (x) | -2.8418% | 5,348 |
| Efficiency ratio | 114.1054% | 225 |
| Assets per employee ($millions) | 2.6858% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 1,476 |
| Loan loss allowance to noncurrent loans | 22.1964% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 11.9751% | 83 |
| Noncurrent loans to loans | 9.1670% | 133 |
| Net loans and leases to total assets | 53.5552% | 4,645 |
| Net loans and leases to deposits | 58.3024% | 5,098 |
| Net loans and leases to core deposits | 58.8180% | 5,320 |
| Total domestic deposits to total assets | 91.8576% | 313 |
| Equity capital to assets | 7.9213% | 6,075 |
| Core capital (leverage) ratio | 8.5601% | 5,599 |
| Tier 1 risk-based capital ratio | 13.6518% | 4,551 |
| Total risk-based capital ratio | 14.9090% | 4,493 |
| Memoranda: | ||
| Average total assets | $85,610,600 | 5,096 |
| Average earning assets | $72,468,600 | 5,241 |
| Average equity | $7,431,800 | 5,472 |
| Average total loans | $45,870,800 | 5,119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 3,397 |
| Cost of funding earning assets | 0.4123% | 4,703 |
| Net interest margin | 3.7842% | 2,704 |
| Noninterest income to average assets | 1.0866% | 1,243 |
| Noninterest expense to average assets | 4.7890% | 397 |
| Loan and lease loss provision to assets | 0.0172% | 4,671 |
| Net operating income to assets | -0.5144% | 6,605 |
| Return on assets (ROA) | -0.5144% | 6,616 |
| Pretax return on assets | -0.5144% | 6,604 |
| Return on Equity (ROE) | -5.7987% | 6,617 |
| Retained earnings to average equity (ytd only) | -5.7987% | 6,527 |
| Net charge-offs to loans | 0.5322% | 1,205 |
| Credit loss provision to net charge-offs | 6.0440% | 4,271 |
| Earnings coverage of net charge-offs (x) | -1.7527% | 5,069 |
| Efficiency ratio | 111.5874% | 245 |
| Assets per employee ($millions) | 2.7852% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 1,701 |
| Loan loss allowance to noncurrent loans | 23.5047% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 11.2554% | 110 |
| Noncurrent loans to loans | 8.5393% | 200 |
| Net loans and leases to total assets | 53.7751% | 4,648 |
| Net loans and leases to deposits | 58.7001% | 5,110 |
| Net loans and leases to core deposits | 59.2151% | 5,358 |
| Total domestic deposits to total assets | 91.6100% | 341 |
| Equity capital to assets | 8.1491% | 6,046 |
| Core capital (leverage) ratio | 8.8002% | 5,414 |
| Tier 1 risk-based capital ratio | 13.8079% | 4,568 |
| Total risk-based capital ratio | 15.0640% | 4,514 |
| Memoranda: | ||
| Average total assets | $85,527,000 | 5,142 |
| Average earning assets | $72,440,000 | 5,292 |
| Average equity | $7,587,750 | 5,496 |
| Average total loans | $45,592,500 | 5,182 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,537 |
| Cost of funding earning assets | 0.4276% | 4,682 |
| Net interest margin | 3.7234% | 2,874 |
| Noninterest income to average assets | 1.0791% | 1,312 |
| Noninterest expense to average assets | 4.7457% | 429 |
| Loan and lease loss provision to assets | 0.0141% | 4,607 |
| Net operating income to assets | -0.5349% | 6,648 |
| Return on assets (ROA) | -0.5349% | 6,658 |
| Pretax return on assets | -0.5349% | 6,641 |
| Return on Equity (ROE) | -5.8675% | 6,656 |
| Retained earnings to average equity (ytd only) | -5.8675% | 6,508 |
| Net charge-offs to loans | 0.1511% | 2,895 |
| Credit loss provision to net charge-offs | 17.6471% | 3,773 |
| Earnings coverage of net charge-offs (x) | -6.5294% | 4,840 |
| Efficiency ratio | 112.3265% | 250 |
| Assets per employee ($millions) | 2.6328% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 1,082 |
| Loan loss allowance to noncurrent loans | 25.1090% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 12.6116% | 90 |
| Noncurrent loans to loans | 9.6016% | 176 |
| Net loans and leases to total assets | 52.5639% | 4,792 |
| Net loans and leases to deposits | 57.6705% | 5,188 |
| Net loans and leases to core deposits | 58.1888% | 5,406 |
| Total domestic deposits to total assets | 91.1452% | 497 |
| Equity capital to assets | 8.6720% | 5,587 |
| Core capital (leverage) ratio | 9.0096% | 4,972 |
| Tier 1 risk-based capital ratio | 13.8689% | 4,512 |
| Total risk-based capital ratio | 15.1280% | 4,479 |
| Memoranda: | ||
| Average total assets | $85,255,670 | 5,181 |
| Average earning assets | $72,030,000 | 5,332 |
| Average equity | $7,771,670 | 5,494 |
| Average total loans | $44,996,330 | 5,224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,521 |
| Cost of funding earning assets | 0.4639% | 4,441 |
| Net interest margin | 3.6837% | 2,926 |
| Noninterest income to average assets | 1.0401% | 1,368 |
| Noninterest expense to average assets | 4.7295% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5784% | 6,704 |
| Return on assets (ROA) | -0.5784% | 6,724 |
| Pretax return on assets | -0.5784% | 6,697 |
| Return on Equity (ROE) | -6.1965% | 6,723 |
| Retained earnings to average equity (ytd only) | -6.1965% | 6,427 |
| Net charge-offs to loans | -0.1696% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9326% | 275 |
| Assets per employee ($millions) | 2.6495% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5352% | 1,074 |
| Loan loss allowance to noncurrent loans | 25.2099% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 12.7384% | 117 |
| Noncurrent loans to loans | 10.0562% | 207 |
| Net loans and leases to total assets | 51.7391% | 4,744 |
| Net loans and leases to deposits | 57.2536% | 5,111 |
| Net loans and leases to core deposits | 57.7663% | 5,361 |
| Total domestic deposits to total assets | 90.3684% | 835 |
| Equity capital to assets | 9.2849% | 5,151 |
| Core capital (leverage) ratio | 8.9497% | 4,971 |
| Tier 1 risk-based capital ratio | 13.9561% | 4,538 |
| Total risk-based capital ratio | 15.2157% | 4,492 |
| Memoranda: | ||
| Average total assets | $85,759,500 | 5,208 |
| Average earning assets | $72,426,500 | 5,375 |
| Average equity | $8,004,500 | 5,485 |
| Average total loans | $44,805,500 | 5,265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 3,154 |
| Cost of funding earning assets | 0.7117% | 3,397 |
| Net interest margin | 3.8522% | 3,015 |
| Noninterest income to average assets | 1.1187% | 1,243 |
| Noninterest expense to average assets | 5.2173% | 328 |
| Loan and lease loss provision to assets | 0.0130% | 5,749 |
| Net operating income to assets | -0.8987% | 6,711 |
| Return on assets (ROA) | -0.8987% | 6,731 |
| Pretax return on assets | -0.8987% | 6,705 |
| Return on Equity (ROE) | -12.4967% | 6,780 |
| Retained earnings to average equity (ytd only) | -12.4967% | 6,716 |
| Net charge-offs to loans | 0.3004% | 3,144 |
| Credit loss provision to net charge-offs | 7.9137% | 5,416 |
| Earnings coverage of net charge-offs (x) | -5.3885% | 5,910 |
| Efficiency ratio | 120.4477% | 210 |
| Assets per employee ($millions) | 2.7105% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5155% | 1,113 |
| Loan loss allowance to noncurrent loans | 24.2385% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 12.5807% | 120 |
| Noncurrent loans to loans | 10.3780% | 214 |
| Net loans and leases to total assets | 50.1314% | 5,152 |
| Net loans and leases to deposits | 55.5042% | 5,494 |
| Net loans and leases to core deposits | 56.3530% | 5,690 |
| Total domestic deposits to total assets | 90.3201% | 789 |
| Equity capital to assets | 9.3813% | 5,024 |
| Core capital (leverage) ratio | 9.2238% | 4,535 |
| Tier 1 risk-based capital ratio | 13.9885% | 4,394 |
| Total risk-based capital ratio | 15.2476% | 4,345 |
| Memoranda: | ||
| Average total assets | $84,565,600 | 5,234 |
| Average earning assets | $70,531,000 | 5,408 |
| Average equity | $6,081,600 | 5,999 |
| Average total loans | $46,270,600 | 5,238 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 2,895 |
| Cost of funding earning assets | 0.7850% | 3,075 |
| Net interest margin | 3.8946% | 2,926 |
| Noninterest income to average assets | 1.0600% | 1,343 |
| Noninterest expense to average assets | 5.3968% | 287 |
| Loan and lease loss provision to assets | 0.0175% | 5,587 |
| Net operating income to assets | -1.1108% | 6,888 |
| Return on assets (ROA) | -1.1108% | 6,913 |
| Pretax return on assets | -1.1108% | 6,893 |
| Return on Equity (ROE) | -16.7628% | 6,953 |
| Retained earnings to average equity (ytd only) | -16.7628% | 6,933 |
| Net charge-offs to loans | 0.0371% | 5,128 |
| Credit loss provision to net charge-offs | 84.6154% | 3,474 |
| Earnings coverage of net charge-offs (x) | -53.0087% | 5,759 |
| Efficiency ratio | 125.4056% | 168 |
| Assets per employee ($millions) | 2.7893% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7203% | 961 |
| Loan loss allowance to noncurrent loans | 30.8243% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 12.4561% | 148 |
| Noncurrent loans to loans | 8.8252% | 322 |
| Net loans and leases to total assets | 53.3772% | 4,842 |
| Net loans and leases to deposits | 57.8487% | 5,443 |
| Net loans and leases to core deposits | 58.7442% | 5,684 |
| Total domestic deposits to total assets | 92.2704% | 176 |
| Equity capital to assets | 7.3771% | 6,797 |
| Core capital (leverage) ratio | 6.6963% | 6,844 |
| Tier 1 risk-based capital ratio | 10.2082% | 6,747 |
| Total risk-based capital ratio | 11.4701% | 6,726 |
| Memoranda: | ||
| Average total assets | $84,023,000 | 5,299 |
| Average earning assets | $69,975,750 | 5,486 |
| Average equity | $5,567,750 | 6,203 |
| Average total loans | $46,687,250 | 5,285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,628 |
| Cost of funding earning assets | 0.8461% | 2,824 |
| Net interest margin | 3.9265% | 2,807 |
| Noninterest income to average assets | 1.0649% | 1,265 |
| Noninterest expense to average assets | 5.5599% | 264 |
| Loan and lease loss provision to assets | 0.0261% | 5,336 |
| Net operating income to assets | -1.2670% | 6,973 |
| Return on assets (ROA) | -1.2670% | 6,990 |
| Pretax return on assets | -1.2670% | 6,961 |
| Return on Equity (ROE) | -19.8658% | 7,036 |
| Retained earnings to average equity (ytd only) | -19.8658% | 7,012 |
| Net charge-offs to loans | -0.0213% | 6,443 |
| Credit loss provision to net charge-offs | -220.0000% | 6,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.7287% | 170 |
| Assets per employee ($millions) | 2.6458% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7591% | 982 |
| Loan loss allowance to noncurrent loans | 27.9470% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 13.4981% | 132 |
| Noncurrent loans to loans | 9.8725% | 279 |
| Net loans and leases to total assets | 52.7013% | 5,006 |
| Net loans and leases to deposits | 56.3321% | 5,613 |
| Net loans and leases to core deposits | 57.5521% | 5,807 |
| Total domestic deposits to total assets | 93.5545% | 96 |
| Equity capital to assets | 6.0817% | 7,023 |
| Core capital (leverage) ratio | 5.8252% | 7,005 |
| Tier 1 risk-based capital ratio | 8.5563% | 7,009 |
| Total risk-based capital ratio | 9.8184% | 7,010 |
| Memoranda: | ||
| Average total assets | $84,138,000 | 5,321 |
| Average earning assets | $69,731,670 | 5,529 |
| Average equity | $5,366,000 | 6,281 |
| Average total loans | $46,945,000 | 5,306 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 2,008 |
| Cost of funding earning assets | 0.8885% | 2,774 |
| Net interest margin | 4.0789% | 2,177 |
| Noninterest income to average assets | 1.0969% | 1,184 |
| Noninterest expense to average assets | 5.2411% | 317 |
| Loan and lease loss provision to assets | 0.0525% | 4,755 |
| Net operating income to assets | -0.8250% | 6,960 |
| Return on assets (ROA) | -0.8250% | 6,975 |
| Pretax return on assets | -0.8250% | 6,938 |
| Return on Equity (ROE) | -12.6404% | 7,033 |
| Retained earnings to average equity (ytd only) | -12.6404% | 6,916 |
| Net charge-offs to loans | -0.0843% | 6,731 |
| Credit loss provision to net charge-offs | -110.0000% | 5,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2892% | 252 |
| Assets per employee ($millions) | 2.8046% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7081% | 1,109 |
| Loan loss allowance to noncurrent loans | 29.5032% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 13.6120% | 145 |
| Noncurrent loans to loans | 9.1790% | 361 |
| Net loans and leases to total assets | 54.2697% | 4,678 |
| Net loans and leases to deposits | 58.2423% | 5,348 |
| Net loans and leases to core deposits | 59.3090% | 5,593 |
| Total domestic deposits to total assets | 93.1791% | 133 |
| Equity capital to assets | 6.4310% | 7,028 |
| Core capital (leverage) ratio | 6.2289% | 7,011 |
| Tier 1 risk-based capital ratio | 8.9966% | 7,027 |
| Total risk-based capital ratio | 10.2584% | 7,032 |
| Memoranda: | ||
| Average total assets | $83,875,000 | 5,366 |
| Average earning assets | $69,332,000 | 5,585 |
| Average equity | $5,474,500 | 6,288 |
| Average total loans | $47,475,000 | 5,318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 2,244 |
| Cost of funding earning assets | 0.9994% | 3,388 |
| Net interest margin | 4.1531% | 2,222 |
| Noninterest income to average assets | 1.2544% | 826 |
| Noninterest expense to average assets | 5.9674% | 212 |
| Loan and lease loss provision to assets | 0.0277% | 6,228 |
| Net operating income to assets | -1.2925% | 6,853 |
| Return on assets (ROA) | -0.4604% | 6,513 |
| Pretax return on assets | -0.4604% | 6,462 |
| Return on Equity (ROE) | -7.3206% | 6,650 |
| Retained earnings to average equity (ytd only) | -7.3206% | 6,591 |
| Net charge-offs to loans | -0.0203% | 6,959 |
| Credit loss provision to net charge-offs | -240.0000% | 6,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8957% | 254 |
| Assets per employee ($millions) | 2.7870% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6032% | 1,191 |
| Loan loss allowance to noncurrent loans | 114.3641% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 10.0298% | 333 |
| Noncurrent loans to loans | 2.2763% | 2,874 |
| Net loans and leases to total assets | 55.9340% | 4,721 |
| Net loans and leases to deposits | 60.1667% | 5,463 |
| Net loans and leases to core deposits | 61.1933% | 5,734 |
| Total domestic deposits to total assets | 92.9650% | 135 |
| Equity capital to assets | 6.6235% | 7,036 |
| Core capital (leverage) ratio | 6.3301% | 7,010 |
| Tier 1 risk-based capital ratio | 9.1600% | 7,010 |
| Total risk-based capital ratio | 10.4205% | 7,010 |
| Memoranda: | ||
| Average total assets | $86,654,800 | 5,272 |
| Average earning assets | $71,946,600 | 5,473 |
| Average equity | $5,450,400 | 6,306 |
| Average total loans | $49,352,800 | 5,291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 2,228 |
| Cost of funding earning assets | 1.0104% | 3,609 |
| Net interest margin | 4.1830% | 2,167 |
| Noninterest income to average assets | 1.2690% | 802 |
| Noninterest expense to average assets | 5.8508% | 219 |
| Loan and lease loss provision to assets | 0.0214% | 6,175 |
| Net operating income to assets | -1.1241% | 6,930 |
| Return on assets (ROA) | -0.0244% | 6,288 |
| Pretax return on assets | -0.0244% | 6,255 |
| Return on Equity (ROE) | -0.3929% | 6,308 |
| Retained earnings to average equity (ytd only) | -0.3929% | 6,048 |
| Net charge-offs to loans | 0.0215% | 5,854 |
| Credit loss provision to net charge-offs | 175.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | -90.3449% | 6,175 |
| Efficiency ratio | 123.2252% | 276 |
| Assets per employee ($millions) | 2.9267% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5481% | 1,331 |
| Loan loss allowance to noncurrent loans | 91.1326% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 9.7823% | 378 |
| Noncurrent loans to loans | 2.7961% | 2,491 |
| Net loans and leases to total assets | 53.2716% | 5,282 |
| Net loans and leases to deposits | 57.3648% | 5,907 |
| Net loans and leases to core deposits | 58.2943% | 6,105 |
| Total domestic deposits to total assets | 92.8645% | 139 |
| Equity capital to assets | 6.7642% | 7,098 |
| Core capital (leverage) ratio | 6.5716% | 7,059 |
| Tier 1 risk-based capital ratio | 9.7568% | 7,017 |
| Total risk-based capital ratio | 11.0169% | 7,007 |
| Memoranda: | ||
| Average total assets | $87,415,750 | 5,288 |
| Average earning assets | $72,705,250 | 5,491 |
| Average equity | $5,428,500 | 6,363 |
| Average total loans | $49,686,750 | 5,315 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 1,724 |
| Cost of funding earning assets | 1.0246% | 3,784 |
| Net interest margin | 4.3222% | 1,588 |
| Noninterest income to average assets | 1.2694% | 779 |
| Noninterest expense to average assets | 5.5976% | 254 |
| Loan and lease loss provision to assets | 0.0321% | 5,908 |
| Net operating income to assets | -0.7745% | 6,856 |
| Return on assets (ROA) | -0.7745% | 6,869 |
| Pretax return on assets | -0.7745% | 6,811 |
| Return on Equity (ROE) | -12.8558% | 7,011 |
| Retained earnings to average equity (ytd only) | -12.8558% | 6,972 |
| Net charge-offs to loans | -0.0876% | 7,135 |
| Credit loss provision to net charge-offs | -63.6364% | 6,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2902% | 396 |
| Assets per employee ($millions) | 2.7158% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6233% | 1,282 |
| Loan loss allowance to noncurrent loans | 83.9812% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 10.7678% | 333 |
| Noncurrent loans to loans | 3.1237% | 2,305 |
| Net loans and leases to total assets | 53.5181% | 5,364 |
| Net loans and leases to deposits | 57.2781% | 6,022 |
| Net loans and leases to core deposits | 58.1744% | 6,258 |
| Total domestic deposits to total assets | 93.4355% | 105 |
| Equity capital to assets | 6.2308% | 7,217 |
| Core capital (leverage) ratio | 6.3712% | 7,147 |
| Tier 1 risk-based capital ratio | 9.5400% | 7,094 |
| Total risk-based capital ratio | 10.8012% | 7,101 |
| Memoranda: | ||
| Average total assets | $87,287,330 | 5,334 |
| Average earning assets | $72,417,000 | 5,542 |
| Average equity | $5,258,330 | 6,446 |
| Average total loans | $50,250,330 | 5,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 1,624 |
| Cost of funding earning assets | 1.0255% | 4,025 |
| Net interest margin | 4.3585% | 1,401 |
| Noninterest income to average assets | 1.1934% | 903 |
| Noninterest expense to average assets | 5.7615% | 222 |
| Loan and lease loss provision to assets | 0.0640% | 5,190 |
| Net operating income to assets | -0.9785% | 7,039 |
| Return on assets (ROA) | -0.9785% | 7,040 |
| Pretax return on assets | -0.9785% | 6,991 |
| Return on Equity (ROE) | -16.5251% | 7,176 |
| Retained earnings to average equity (ytd only) | -16.5251% | 7,083 |
| Net charge-offs to loans | 0.1088% | 3,877 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -14.2857% | 5,071 |
| Efficiency ratio | 118.8679% | 357 |
| Assets per employee ($millions) | 2.6133% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4500% | 1,532 |
| Loan loss allowance to noncurrent loans | 91.0861% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 10.9731% | 336 |
| Noncurrent loans to loans | 2.6898% | 2,804 |
| Net loans and leases to total assets | 56.1423% | 4,970 |
| Net loans and leases to deposits | 59.9430% | 5,732 |
| Net loans and leases to core deposits | 61.1136% | 6,005 |
| Total domestic deposits to total assets | 93.6594% | 93 |
| Equity capital to assets | 5.9185% | 7,295 |
| Core capital (leverage) ratio | 6.4011% | 7,190 |
| Tier 1 risk-based capital ratio | 9.5696% | 7,134 |
| Total risk-based capital ratio | 10.8291% | 7,132 |
| Memoranda: | ||
| Average total assets | $87,477,500 | 5,371 |
| Average earning assets | $73,328,500 | 5,560 |
| Average equity | $5,180,000 | 6,491 |
| Average total loans | $51,493,500 | 5,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 4,318 |
| Cost of funding earning assets | 1.2950% | 3,915 |
| Net interest margin | 3.7548% | 4,135 |
| Noninterest income to average assets | 1.1243% | 1,171 |
| Noninterest expense to average assets | 5.6498% | 277 |
| Loan and lease loss provision to assets | 1.6809% | 844 |
| Net operating income to assets | -2.9561% | 7,286 |
| Return on assets (ROA) | -2.6543% | 7,235 |
| Pretax return on assets | -2.6543% | 7,214 |
| Return on Equity (ROE) | -33.8390% | 7,277 |
| Retained earnings to average equity (ytd only) | -33.8390% | 7,267 |
| Net charge-offs to loans | 4.2289% | 277 |
| Credit loss provision to net charge-offs | 63.0693% | 6,030 |
| Earnings coverage of net charge-offs (x) | -0.4785% | 6,444 |
| Efficiency ratio | 129.1500% | 325 |
| Assets per employee ($millions) | 2.6093% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2791% | 1,727 |
| Loan loss allowance to noncurrent loans | 45.9735% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 8.5113% | 554 |
| Noncurrent loans to loans | 4.9574% | 1,364 |
| Net loans and leases to total assets | 58.7700% | 4,905 |
| Net loans and leases to deposits | 62.6505% | 5,778 |
| Net loans and leases to core deposits | 64.2462% | 6,031 |
| Total domestic deposits to total assets | 93.8061% | 95 |
| Equity capital to assets | 5.9245% | 7,351 |
| Core capital (leverage) ratio | 6.3228% | 7,239 |
| Tier 1 risk-based capital ratio | 9.7866% | 7,057 |
| Total risk-based capital ratio | 11.0472% | 7,048 |
| Memoranda: | ||
| Average total assets | $91,437,200 | 5,246 |
| Average earning assets | $79,152,400 | 5,379 |
| Average equity | $7,172,200 | 5,975 |
| Average total loans | $57,626,800 | 5,176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 5,001 |
| Cost of funding earning assets | 1.3345% | 4,015 |
| Net interest margin | 3.6232% | 4,763 |
| Noninterest income to average assets | 1.0928% | 1,191 |
| Noninterest expense to average assets | 6.2383% | 204 |
| Loan and lease loss provision to assets | 0.0941% | 6,083 |
| Net operating income to assets | -2.0958% | 7,259 |
| Return on assets (ROA) | -1.6963% | 7,172 |
| Pretax return on assets | -1.6963% | 7,104 |
| Return on Equity (ROE) | -20.4232% | 7,230 |
| Retained earnings to average equity (ytd only) | -20.4232% | 7,214 |
| Net charge-offs to loans | 1.3357% | 1,519 |
| Credit loss provision to net charge-offs | 11.0544% | 6,330 |
| Earnings coverage of net charge-offs (x) | -2.3520% | 6,545 |
| Efficiency ratio | 147.2497% | 215 |
| Assets per employee ($millions) | 2.7273% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8670% | 938 |
| Loan loss allowance to noncurrent loans | 23.9310% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 12.0212% | 273 |
| Noncurrent loans to loans | 11.9803% | 292 |
| Net loans and leases to total assets | 58.2758% | 5,217 |
| Net loans and leases to deposits | 63.1979% | 6,006 |
| Net loans and leases to core deposits | 64.9495% | 6,214 |
| Total domestic deposits to total assets | 92.2116% | 162 |
| Equity capital to assets | 7.5500% | 7,096 |
| Core capital (leverage) ratio | 7.6386% | 6,732 |
| Tier 1 risk-based capital ratio | 11.3262% | 6,075 |
| Total risk-based capital ratio | 12.5925% | 6,054 |
| Memoranda: | ||
| Average total assets | $92,117,250 | 5,285 |
| Average earning assets | $79,928,250 | 5,410 |
| Average equity | $7,651,250 | 5,897 |
| Average total loans | $58,694,750 | 5,194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 3,813 |
| Cost of funding earning assets | 1.3945% | 3,906 |
| Net interest margin | 3.8330% | 3,747 |
| Noninterest income to average assets | 1.0358% | 1,266 |
| Noninterest expense to average assets | 5.5291% | 273 |
| Loan and lease loss provision to assets | 0.0936% | 5,977 |
| Net operating income to assets | -1.2555% | 7,053 |
| Return on assets (ROA) | -0.9531% | 6,943 |
| Pretax return on assets | -0.9531% | 6,866 |
| Return on Equity (ROE) | -11.1337% | 7,003 |
| Retained earnings to average equity (ytd only) | -11.1337% | 6,957 |
| Net charge-offs to loans | 1.8454% | 1,007 |
| Credit loss provision to net charge-offs | 7.8040% | 5,965 |
| Earnings coverage of net charge-offs (x) | -0.9691% | 6,113 |
| Efficiency ratio | 126.6069% | 345 |
| Assets per employee ($millions) | 2.5405% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7645% | 1,028 |
| Loan loss allowance to noncurrent loans | 19.2764% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 13.7894% | 188 |
| Noncurrent loans to loans | 14.3414% | 192 |
| Net loans and leases to total assets | 63.6477% | 4,326 |
| Net loans and leases to deposits | 69.9188% | 5,291 |
| Net loans and leases to core deposits | 71.2893% | 5,743 |
| Total domestic deposits to total assets | 91.0309% | 473 |
| Equity capital to assets | 8.7712% | 5,787 |
| Core capital (leverage) ratio | 8.6433% | 5,169 |
| Tier 1 risk-based capital ratio | 12.2380% | 5,089 |
| Total risk-based capital ratio | 13.5040% | 5,050 |
| Memoranda: | ||
| Average total assets | $91,913,670 | 5,323 |
| Average earning assets | $79,885,670 | 5,444 |
| Average equity | $7,868,000 | 5,852 |
| Average total loans | $59,715,330 | 5,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2054% | 3,987 |
| Cost of funding earning assets | 1.4514% | 3,866 |
| Net interest margin | 3.7540% | 3,988 |
| Noninterest income to average assets | 0.9206% | 1,553 |
| Noninterest expense to average assets | 5.2670% | 302 |
| Loan and lease loss provision to assets | 0.1156% | 5,448 |
| Net operating income to assets | -1.1947% | 7,213 |
| Return on assets (ROA) | -1.1947% | 7,232 |
| Pretax return on assets | -1.1947% | 7,142 |
| Return on Equity (ROE) | -14.1221% | 7,296 |
| Retained earnings to average equity (ytd only) | -14.1221% | 7,178 |
| Net charge-offs to loans | -0.0066% | 6,840 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.7669% | 382 |
| Assets per employee ($millions) | 4.6414% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5501% | 523 |
| Loan loss allowance to noncurrent loans | 26.9642% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 12.7140% | 222 |
| Noncurrent loans to loans | 13.1660% | 240 |
| Net loans and leases to total assets | 62.7791% | 4,594 |
| Net loans and leases to deposits | 68.7850% | 5,499 |
| Net loans and leases to core deposits | 70.7199% | 5,853 |
| Total domestic deposits to total assets | 91.2687% | 450 |
| Equity capital to assets | 8.4113% | 6,149 |
| Core capital (leverage) ratio | 8.5571% | 5,285 |
| Tier 1 risk-based capital ratio | 12.2452% | 4,944 |
| Total risk-based capital ratio | 13.5210% | 4,896 |
| Memoranda: | ||
| Average total assets | $93,412,500 | 5,340 |
| Average earning assets | $81,300,500 | 5,462 |
| Average equity | $7,902,500 | 5,881 |
| Average total loans | $60,472,000 | 5,228 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9058% | 2,207 |
| Cost of funding earning assets | 1.7267% | 4,371 |
| Net interest margin | 4.1791% | 2,138 |
| Noninterest income to average assets | 1.1711% | 1,120 |
| Noninterest expense to average assets | 5.7984% | 339 |
| Loan and lease loss provision to assets | 1.8182% | 1,237 |
| Net operating income to assets | -2.7542% | 7,337 |
| Return on assets (ROA) | -2.2510% | 7,182 |
| Pretax return on assets | -2.2510% | 7,043 |
| Return on Equity (ROE) | -28.6618% | 7,382 |
| Retained earnings to average equity (ytd only) | -28.6618% | 7,363 |
| Net charge-offs to loans | 0.7081% | 3,064 |
| Credit loss provision to net charge-offs | 378.4483% | 843 |
| Earnings coverage of net charge-offs (x) | -1.9483% | 6,997 |
| Efficiency ratio | 119.2504% | 621 |
| Assets per employee ($millions) | 2.6111% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4978% | 529 |
| Loan loss allowance to noncurrent loans | 25.0059% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 13.3652% | 187 |
| Noncurrent loans to loans | 13.9881% | 208 |
| Net loans and leases to total assets | 62.1354% | 4,963 |
| Net loans and leases to deposits | 68.0961% | 5,811 |
| Net loans and leases to core deposits | 84.9431% | 5,626 |
| Total domestic deposits to total assets | 91.2466% | 456 |
| Equity capital to assets | 8.5076% | 5,866 |
| Core capital (leverage) ratio | 8.6031% | 5,097 |
| Tier 1 risk-based capital ratio | 12.4950% | 4,528 |
| Total risk-based capital ratio | 13.7695% | 4,455 |
| Memoranda: | ||
| Average total assets | $96,579,000 | 5,180 |
| Average earning assets | $85,306,400 | 5,287 |
| Average equity | $7,585,000 | 6,063 |
| Average total loans | $65,528,200 | 5,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9822% | 2,113 |
| Cost of funding earning assets | 1.7828% | 4,464 |
| Net interest margin | 4.1995% | 2,064 |
| Noninterest income to average assets | 1.1341% | 1,223 |
| Noninterest expense to average assets | 5.2030% | 427 |
| Loan and lease loss provision to assets | 1.1958% | 1,627 |
| Net operating income to assets | -1.5400% | 7,133 |
| Return on assets (ROA) | -1.4482% | 7,082 |
| Pretax return on assets | -1.4482% | 6,933 |
| Return on Equity (ROE) | -18.8180% | 7,334 |
| Retained earnings to average equity (ytd only) | -18.8180% | 7,300 |
| Net charge-offs to loans | 0.2037% | 4,771 |
| Credit loss provision to net charge-offs | 854.9020% | 446 |
| Earnings coverage of net charge-offs (x) | -2.4607% | 6,775 |
| Efficiency ratio | 107.0844% | 832 |
| Assets per employee ($millions) | 2.5041% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4538% | 1,105 |
| Loan loss allowance to noncurrent loans | 19.5655% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 11.7302% | 242 |
| Noncurrent loans to loans | 12.5416% | 244 |
| Net loans and leases to total assets | 66.5917% | 4,283 |
| Net loans and leases to deposits | 72.5518% | 5,574 |
| Net loans and leases to core deposits | 90.6718% | 5,378 |
| Total domestic deposits to total assets | 91.7851% | 206 |
| Equity capital to assets | 7.9848% | 6,859 |
| Core capital (leverage) ratio | 7.5991% | 6,861 |
| Tier 1 risk-based capital ratio | 10.6114% | 6,330 |
| Total risk-based capital ratio | 11.8751% | 6,298 |
| Memoranda: | ||
| Average total assets | $97,224,250 | 5,203 |
| Average earning assets | $86,231,250 | 5,297 |
| Average equity | $7,482,000 | 6,159 |
| Average total loans | $66,779,500 | 5,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 2,806 |
| Cost of funding earning assets | 1.8418% | 4,549 |
| Net interest margin | 4.0075% | 2,668 |
| Noninterest income to average assets | 1.1030% | 1,304 |
| Noninterest expense to average assets | 5.1944% | 453 |
| Loan and lease loss provision to assets | 1.7812% | 932 |
| Net operating income to assets | -2.3082% | 7,513 |
| Return on assets (ROA) | -2.0406% | 7,430 |
| Pretax return on assets | -2.0406% | 7,300 |
| Return on Equity (ROE) | -26.8428% | 7,657 |
| Retained earnings to average equity (ytd only) | -26.8428% | 7,627 |
| Net charge-offs to loans | 0.1158% | 5,001 |
| Credit loss provision to net charge-offs | 2,235.8974% | 241 |
| Earnings coverage of net charge-offs (x) | -6.6154% | 6,485 |
| Efficiency ratio | 111.2910% | 816 |
| Assets per employee ($millions) | 2.5286% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4863% | 914 |
| Loan loss allowance to noncurrent loans | 18.5617% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 12.0496% | 178 |
| Noncurrent loans to loans | 13.3951% | 170 |
| Net loans and leases to total assets | 67.6342% | 4,227 |
| Net loans and leases to deposits | 73.4482% | 5,541 |
| Net loans and leases to core deposits | 94.4537% | 5,062 |
| Total domestic deposits to total assets | 92.0842% | 199 |
| Equity capital to assets | 7.7056% | 7,070 |
| Core capital (leverage) ratio | 7.1891% | 7,369 |
| Tier 1 risk-based capital ratio | 10.4109% | 6,466 |
| Total risk-based capital ratio | 11.6739% | 6,402 |
| Memoranda: | ||
| Average total assets | $97,913,670 | 5,217 |
| Average earning assets | $87,087,000 | 5,295 |
| Average equity | $7,443,330 | 6,202 |
| Average total loans | $67,386,000 | 5,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 2,523 |
| Cost of funding earning assets | 1.8294% | 4,983 |
| Net interest margin | 4.1309% | 2,162 |
| Noninterest income to average assets | 1.0807% | 1,281 |
| Noninterest expense to average assets | 5.1200% | 443 |
| Loan and lease loss provision to assets | 3.3918% | 310 |
| Net operating income to assets | -3.7479% | 7,957 |
| Return on assets (ROA) | -3.7479% | 7,949 |
| Pretax return on assets | -3.7479% | 7,876 |
| Return on Equity (ROE) | -49.6315% | 8,044 |
| Retained earnings to average equity (ytd only) | -49.6315% | 8,027 |
| Net charge-offs to loans | -0.0354% | 7,600 |
| Credit loss provision to net charge-offs | -13,966.6667% | 6,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4766% | 884 |
| Assets per employee ($millions) | 2.3902% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4699% | 790 |
| Loan loss allowance to noncurrent loans | 18.7830% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 10.6267% | 192 |
| Noncurrent loans to loans | 13.1498% | 143 |
| Net loans and leases to total assets | 65.6875% | 4,653 |
| Net loans and leases to deposits | 71.3283% | 5,826 |
| Net loans and leases to core deposits | 90.8656% | 5,467 |
| Total domestic deposits to total assets | 92.0918% | 171 |
| Equity capital to assets | 7.7628% | 7,116 |
| Core capital (leverage) ratio | 7.5650% | 7,068 |
| Tier 1 risk-based capital ratio | 10.2956% | 6,594 |
| Total risk-based capital ratio | 11.5585% | 6,512 |
| Memoranda: | ||
| Average total assets | $98,827,500 | 5,210 |
| Average earning assets | $88,117,000 | 5,285 |
| Average equity | $7,463,000 | 6,237 |
| Average total loans | $67,757,000 | 5,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1878% | 767 |
| Cost of funding earning assets | 2.3150% | 5,085 |
| Net interest margin | 4.8729% | 664 |
| Noninterest income to average assets | 1.1966% | 1,053 |
| Noninterest expense to average assets | 4.9415% | 641 |
| Loan and lease loss provision to assets | 1.0941% | 1,324 |
| Net operating income to assets | -0.5702% | 6,983 |
| Return on assets (ROA) | -0.5633% | 6,860 |
| Pretax return on assets | -0.5584% | 6,695 |
| Return on Equity (ROE) | -7.6735% | 7,107 |
| Retained earnings to average equity (ytd only) | -7.6735% | 6,857 |
| Net charge-offs to loans | 1.1387% | 1,067 |
| Credit loss provision to net charge-offs | 145.5381% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.7034% | 5,801 |
| Efficiency ratio | 90.3336% | 1,490 |
| Assets per employee ($millions) | 2.3159% | 7,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 4,419 |
| Loan loss allowance to noncurrent loans | 27.4817% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 5.2619% | 636 |
| Noncurrent loans to loans | 4.4211% | 1,081 |
| Net loans and leases to total assets | 68.9614% | 4,262 |
| Net loans and leases to deposits | 75.2631% | 5,689 |
| Net loans and leases to core deposits | 94.4147% | 5,413 |
| Total domestic deposits to total assets | 91.6271% | 186 |
| Equity capital to assets | 7.3335% | 7,528 |
| Core capital (leverage) ratio | 6.8127% | 7,809 |
| Tier 1 risk-based capital ratio | 9.4674% | 7,349 |
| Total risk-based capital ratio | 10.6155% | 7,375 |
| Memoranda: | ||
| Average total assets | $101,366,400 | 5,007 |
| Average earning assets | $88,900,200 | 5,121 |
| Average equity | $7,441,200 | 6,299 |
| Average total loans | $66,917,400 | 4,982 |